Garner Health

Name

Garner Health

Legal name

Garner Health Technology, Inc.

Website

https://garnerhealth.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Healthcare Provider Analytics

NAICS

Offices of All Other Miscellaneous Health Practitioners (621399)

SIC

Services-Health Services (8000), Services-Misc Health & Allied Services, Nec (8090)

akta.pro primary industry

Employer/Member Engagement Platforms for Provider-Sponsored Plans (HLACAEAM)

akta.pro secondary industry

Patient Intake, Digital Registration & eForms (HLACAEAF)

Keywords

• Healthcare provider analytics
• Physician quality ranking
• Employer healthcare benefits
• Medical claims analytics
• Healthcare cost navigation

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Enterprise employer/health plan subscription: Garner contracts with employers (and health plans embedding Garner as a value-added benefit) on a recurring basis, charging for the provider-ranking platform, HRA administration, incentive program services, and concierge. The platform sits as an overlay on existing carrier networks without requiring plan design changes; pricing is not publicly disclosed and is custom/quote-based per employer. Revenue reportedly doubled annually for five consecutive years, reaching approximately $200M gross ARR.
2. HRA administrative and incentive funding services: Garner administers employer-funded Health Reimbursement Arrangements (HRAs) and HSA-contribution Incentive Programs, processing member reimbursements for out-of-pocket medical costs when members visit Top Providers. Garner processes payments (check or ACH) and takes responsibility for HRA configuration as part of its employer contract.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Garner Health sells a healthcare provider-quality analytics platform that ranks physicians using 550+ proprietary clinical and financial metrics applied to over 60 billion de-identified medical claims covering 320 million patients. The platform is sold to employers, health plans, and benefits advisors as an overlay on existing carrier networks, and is delivered to employees via a mobile/web app and human concierge service that helps members find Top Providers, book appointments, and receive HRA reimbursements for out-of-pocket costs.

Product overview

Garner Health operates a single integrated digital healthcare platform (the Garner Health Platform) anchored by the member-facing Garner App and the Concierge Service, with a layered product architecture comprising several named AI and analytics modules. The data backbone — Garner Insights — applies 550+ proprietary clinical metrics across 82+ medical specialties to over 60 billion de-identified medical claims covering 320M+ patients to rank providers and identify 'Top Providers.' The Concierge Service delivers human (and AI-assisted) support for finding providers, while the Garner App and AI-powered Garner Assistant act as the 'front door' to healthcare for members. Garner Research Agent and Garner Predictive Outreach are AI add-on modules that keep clinical metrics current and identify high-cost care moments for personalized outreach. HRA Services and Incentive Program Services administer employer-funded reimbursements and HSA contributions that drive member engagement. Marketing/content offerings include the Margin of Care Podcast and a Healthcare Savings Calculator for employer prospects.

Differentiator

Problem solved

Functional benefit

Brands

• Margin of Care: Garner Health's branded podcast featuring unfiltered conversations with advisors, employers, and innovators on the incentives, policies, and strategies shaping the future of healthcare, hosted by Kirk Czonstka, SVP of Strategic Alliances at Garner Health.

Products and services

• Garner Health Platform Doctor quality analytics platform that evaluates physicians using 550+ proprietary clinical metrics applied to 60B+ de-identified claims across 320M+ patients; helps employers reduce healthcare costs without changing carriers or networks.
• Garner App Mobile and web app used by employees and their dependents to find Top Providers, view Top Provider badges, book appointments, check claims and reimbursement status, and submit out-of-pocket medical expenses for HRA reimbursement.
• Garner Assistant AI-powered in-app chat assistant that helps members find high-quality doctors, view appointment availability, book visits, understand health plan details, check claims/payments/reimbursement status, and receive guidance 24/7.
• Garner Research Agent Behind-the-scenes AI tool that automatically reviews the latest medical literature and translates it into algorithms that parse quality and efficiency of every doctor in the country, keeping Garner's 550+ clinical metrics across 82+ specialties rigorous and up to date.
• Garner Predictive Outreach Product that uses predictive analytics to identify high-cost care moments and deliver timely, personalized outreach guiding members to the right resources at the right moment.
• Garner Insights Provider-quality analytics product that delivers trusted performance data powering accurate, outcomes-based insights and referrals for providers, employers, advisors, and health plans across 82+ medical specialties.
• Concierge Service Human (and AI-assisted) member service delivered via chat and phone to help users search for and identify in-network providers, recommend providers based on symptoms or needs, and navigate benefits.
• HRA Services Health Reimbursement Arrangement administrative services: members can manage their HRA benefit provided by their employer, submit documentation for eligible medical expenses, and receive reimbursements via check or ACH/Plaid.
• Incentive Program Services Manages employer-sponsored Incentive Programs in which eligible employees submit documentation for eligible medical expenses and receive corresponding HSA contributions from their employer.
• Garner First-Dollar HSA Incentive Benefit design that rewards quality care from day one for members enrolled in high-deductible health plans paired with HSAs, addressing the first-dollar coverage gap before the minimum statutory deductible is met.

Quantifiable outcome

• 12% average reduction in total healthcare spend in year 1 for employers
• +6 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability9 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core.

• Plaid Inc.coreTechnology or IntegrationOptional third-party integration enabling members to link bank accounts for HRA reimbursement payments. Garner permits users to link accounts via Plaid under Plaid's end user privacy policy.
• Apple Inc.coreOEM/ Whitelabel/ Licensing PartnerApple-Enabled Software distribution via the Apple App Store; Garner grants a limited license subject to Apple Media Services Terms and Conditions.
• Google (Google Play Store)coreOEM/ Whitelabel/ Licensing PartnerGoogle-Sourced Software distribution via the Google Play Store under Google Play Terms of Service.
• USI Insurance ServicescoreChannel Partner/ Reseller/ DistributorBenefits consulting/brokerage firm actively reselling Garner to employer clients; quoted as saying Garner is 'the #1 reason we're winning right now.'
• AoncoreImplementation/ SI/ Consulting PartnerGlobal professional services firm that conducted the independent case study (2020-2024) validating Garner's 7.4% medical spend reduction; co-marketed via webinar 'Inside Aon's New Study'.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Included Health: Provides navigation, virtual care, and benefits advocacy for employers and health plans with a strong focus on quality provider routing. Comparable to Garner in selling an integrated navigation benefit to self-funded employers.
• Castlight Health: Pioneer in healthcare price and quality transparency sold to employers and health plans. Closely comparable to Garner in applying analytics to claims data to guide provider selection and lower employer medical spend.
• Accolade: Healthcare navigation and advocacy platform sold to employers and health plans, overlapping Garner's core employer benefit motion. Merged with Transcarent in 2025 to form a more direct competitor across navigation, virtual care, and benefits advocacy.
• Transcarent: Employer-facing healthcare navigation platform that combines AI-driven guidance, provider quality, and benefits concierge. Its combination with Accolade creates a direct enterprise competitor to Garner's employer benefit offering.
• Health Advocate (West Health Advocate Solutions): Employer- and health-plan-facing concierge health advocacy and navigation service. Competes with Garner's Concierge Service and overall navigation offering in the same employer benefit buyer.
• Quantum Health: Healthcare navigation and care coordination company serving large self-funded employers. Competes with Garner in steering members to high-quality, in-network providers and reducing medical spend for employer clients.

Emerging players

• Solera Health: Benefits-navigation platform that curates and routes members to high-value providers for specific conditions (e.g., diabetes, musculoskeletal). Comparable to Garner in applying quality criteria to provider selection and steering members via employer benefit design.
• Carrum Health: Center-of-excellence navigation platform that steers members to high-quality specialty providers. SVP of Provider Partnerships at Garner (Emily Hayne) previously worked at Carrum, and the value proposition of routing members to top-performing providers is highly aligned with Garner's Top Provider model.

Broad incumbents

• Personify Health (formerly Virgin Pulse): Employee wellbeing, navigation, and benefits engagement platform serving large employers. Overlaps with Garner in employer benefit engagement and provider navigation, though with a broader wellness and wellbeing portfolio.
• Alight (Healthcare Navigation): Large benefits administration and navigation platform serving thousands of employers. Competes with Garner in healthcare navigation and benefits engagement, with the advantage of a much broader benefits administration footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/getgarner
• YouTubeyoutube.com/@MarginofCare
• Facebookfacebook.com/garnerhealth
• LinkedInlinkedin.com/company/garnerhealth
• Instagraminstagram.com/garnerhealth

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds7 records

Investors15 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Garner Health