Granted Health
Granted Health is an early-stage AI-native platform that combines AI agents and human advocates to help U.S. consumers reduce medical bills and resolve insurance issues. It serves 25,000+ families via a self-serve iOS and web app, charging a 10% success fee only on realized savings.
- Company typePrivate
- Founded2023
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Granted Health does
Granted Health, Inc. is an early-stage, venture-backed direct-to-consumer company that uses artificial intelligence combined with human healthcare advocates to help U.S. consumers reduce medical bills and maximize insurance benefits. The company serves individuals and families — including insured, under-insured, and self-pay users — who face denied claims, surprise emergency-room bills, incorrect charges, or unused insurance benefits, and reports serving 25,000+ families. It operates exclusively in the United States from a New York headquarters and has no enterprise, channel, or international motion.
The product is a single consumer app (iOS and web) built on an AI-native, model-agnostic architecture combining Google's Gemini for document understanding with OpenAI's GPT-4o for conversational experiences. It integrates directly with 1,300+ U.S. insurance and patient portals via secure token-based connections and can act on a user's behalf via email, letters, faxes, online portals, AI-assisted recorded phone calls (including initiating multi-factor authentication), and SMS. The backend is a NestJS monolith exposing a single Apollo GraphQL endpoint, backed by Gel on PostgreSQL/Aurora, running on AWS ECS Fargate and Lambda behind CloudFront, with Pulumi-managed infrastructure, GitHub Actions CI, and Graphite stacked PRs in a TypeScript-strict monorepo. The company is SOC 2 certified, HIPAA-aligned, uses AES-256 encryption with AWS Nitro Enclaves for credential isolation, and contractually commits to never training third-party AI on user data.
Revenue is generated primarily on an outcome basis: account creation, insurance connection, and case opening are free, and Granted charges a 10% success fee on realized bill savings, capped (per Terms updated May 12, 2026) at $300 per bill. An optional auto-renewing subscription with a 30-day default free trial is also offered, though pricing is not publicly disclosed. Stripe processes Bill Pay card charges, Twilio handles transactional SMS, and the go-to-market is purely self-serve direct-to-consumer via web and the iOS App Store, supported by a content-led SEO program targeting high-intent billing and insurance queries.
Granted Health firmographics
Firmographics- Name
- Granted Health
- Legal name
- Granted Health, Inc.
- Website
- https://grantedhealth.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Granted Health is an early-stage AI-native platform that combines AI agents and human advocates to help U.S. consumers reduce medical bills and resolve insurance issues. It serves 25,000+ families via a self-serve iOS and web app, charging a 10% success fee only on realized savings.
- Ownership category
- akta.pro rank
Granted Health industry classification
Industry- Product category
- Healthcare Advocacy (Consumer Medical Bill Reduction and Insurance Benefits Optimization)
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Healthcare Billing & Patient Payments Presentment (FSAMAJAH)
- akta.pro secondary industries
- Eligibility & Benefits Verification (HLACACAD), Combined Critical Illness + Hospital Indemnity Policies (FSAIAKAC), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
Keywords
Where Granted Health is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Granted Health business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Success fee on bill savings (Bill Pay): Granted charges the user's card for the negotiated bill amount plus a success fee equal to 10% of the amount saved (capped at $300 per bill). Card is charged first; only if charge succeeds does Granted pay the provider. The legal terms (last updated May 12, 2026) specify a $300 cap, while the homepage copy references a $200 cap.
- Optional subscription: Users may purchase an optional subscription that auto-renews at the subscription-period rate (monthly if not otherwise designated). Subscriptions are non-refundable except as expressly stated; users can cancel up to 3 days before renewal. A free trial (default 30 days) converts to a paid subscription unless cancelled.
- Free usage of core service: Account creation, insurance connection, and opening cases are free; the service is freemium with payment only triggered on realized savings.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Pay-as-you-go | Free to use — pay only if Granted saves you money |
| Outcome Based/ Performance | Pay-as-you-go | Bill Pay success fee (legal terms) |
| Subscription | Monthly | Optional subscription (auto-renewing) |
| Freemium | Pay-as-you-go | Free trial |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Granted Health product offering
Product offeringCore offering
Granted Health provides a direct-to-consumer AI-powered healthcare advocacy service that reviews medical bills and Explanations of Benefits (EOBs) for errors, negotiates reductions with providers, files denied-claim appeals, and surfaces unused insurance benefits on behalf of individual users and families. Its offering combines an AI engine (Granted AI / Granted MedBill AI) with human Healthcare Advocates who handle end-to-end back-and-forth with insurers, providers, billing offices, and debt collectors, supported by integrations with 1,300+ U.S. insurance and patient portals.
Product overview
Granted Health, Inc. offers a single unified consumer product — the Granted App (available on iOS and Web) — built around a core AI engine called Granted AI (also referenced as Granted MedBill AI). The app is structured as a platform with tightly integrated modules: an Insurance Connection module that securely links 1,300+ U.S. insurance and patient portals, a Bill Review & Negotiation service that combines AI bill review with human Healthcare Advocates, a Bill Pay module that settles negotiated amounts via Stripe, and an AI Phone Assistance capability that lets the AI accompany users on recorded calls with insurers and providers. Together these modules form an end-to-end "AI-native healthcare advocate" experience for consumers to lower medical bills and maximize insurance benefits, supported by a NestJS monolith backend with Gel/PostgreSQL, Next.js and React Native (Expo) frontends, and a flexible AI layer using GPT-4o and Gemini.
Differentiator
Problem solved
Functional benefit
Products and services
- Granted App (mobile + web) Granted's flagship consumer mobile (iOS) and web application that lets users upload medical bills and EOBs, connect insurance and patient portals, and receive AI-assisted bill review and human advocate support to reduce what they owe. Includes a savings calculator and 100% free-to-start pricing (success fee applies).
- Granted Bill Pay Payment feature within the Granted app that lets users authorize Granted to charge a payment card on file (processed by Stripe) and pay the provider directly after a bill has been negotiated down. Includes a 10% success fee on savings (capped at $300 per bill); HSA cards are not supported.
Quantifiable outcome
- Saves customers an average of 70% on their medical bills
- +4 more outcomes
Companies that use Granted Health
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Granted Health technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability12 records
Feature8 records
Granted Health partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core.
- StripecoreStripe is Granted's payment processor for Bill Pay — it stores and processes card data (Granted does not store the full card number). The user's payment method is charged for the negotiated bill amount plus the 10% success fee (capped at $300 per bill per Terms).
- TwiliocoreTwilio is Granted's SMS service provider, used to deliver transactional text messages (multi-factor authentication and case-status notifications). Phone numbers and opt-in data are shared only with Twilio as necessary to deliver messages.
- Amazon Web Services (AWS)coreGranted's cloud runs on AWS — ECS Fargate for horizontal scaling, CloudFront and Lambda behind Next.js, AWS Nitro Enclaves for credential isolation, and Amazon Aurora PostgreSQL as the data-store substrate for Gel.
- VantacoreVanta continuously monitors Granted's compliance controls in real time and provides a publicly accessible live trust report underpinning the SOC 2 posture.
- OpenAIcoreGranted uses OpenAI's GPT-4o for conversational experiences in the AI layer. Per the security page, user data is never used to train third-party AI models.
- Google (Gemini)coreGranted uses Google's Gemini for document understanding within its AI layer; the AI layer is designed to be model-agnostic so models can be swapped per task.
- Next.js / Vercel ecosystemcoreGranted's web frontend is built on Next.js and deployed behind CloudFront and Lambda on AWS.
- Expo (React Native)coreGranted's mobile apps are built on Expo (React Native), with shared Tamagui UI screens embedded for cross-platform consistency.
- NestJScoreGranted's backend is a NestJS monolithic API; the team explicitly chose a monolith for velocity over microservices at current scale.
- Apollo GraphQLcoreGranted exposes a single, strongly-typed GraphQL API via Apollo, stitching together Gel and other data sources for end-to-end type safety with the frontend.
- Gel (geldata.com)coreGel is Granted's primary data store, built on PostgreSQL atop Amazon Aurora PostgreSQL; provides relational schemas, migrations, access policies, typed clients, and a built-in GraphQL endpoint.
- PulumicoreGranted manages all cloud infrastructure as code via Pulumi, configured in TypeScript for programmatic generation of common infrastructure patterns.
- GitHub (GitHub Actions)coreGranted uses GitHub for source control and GitHub Actions for continuous integration — every commit is rigorously validated via CI.
- AetnacoreGranted maintains a dedicated Aetna connection guide for users to link their insurance account. Granted's AI can read Aetna plan documents to answer coverage questions (e.g., Section 5: Pediatric Orthopedic & Surgical Services).
- AnthemcoreGranted maintains a dedicated Anthem connection guide; supports Sydney App credentials and Anthem Member ID / Medicare cards.
- CignacoreGranted maintains a dedicated Cigna connection guide; supports Cigna Member ID and Medicare cards.
- UnitedHealthcarecoreGranted maintains a dedicated United Healthcare connection guide and supports member registration / password reset for UHC online accounts.
Scale indicators7 records
Recent moves6 records
Expansion highlights7 records
Granted Health competitors and assessment
Company assessmentBroad incumbents
- Health Advocate (West Health Advocate Solutions): Health Advocate is a larger, established employee-benefits advocacy and medical bill negotiation provider sold through HR/payer channels. Overlaps with Granted's use cases but is a broader incumbent typically distributed via employer benefits rather than direct-to-consumer.
- Optum (UnitedHealth Group): Optum is the health services and innovation arm of UnitedHealth Group, offering payer services, care navigation, and consumer advocacy at massive scale. Strategic incumbent whose data assets and consumer touchpoints set the long-term ceiling for Granted's addressable market.
- Waystar: Waystar is a large healthcare payments and revenue-cycle clearinghouse serving providers and payers. Broad incumbent with overlapping claims/billing data capabilities, but B2B rather than consumer-facing like Granted.
Emerging players
- Candid Health: Candid Health provides AI-driven medical billing infrastructure for providers and digital health companies. Adjacent rather than directly competing, but relevant because it operates in the same billing/claims data layer Granted ingests via its portal integrations.
- Turquoise Health: Turquoise Health is a healthcare price-transparency platform surfacing negotiated rates and out-of-pocket estimates. Adjacent to Granted's mission of reducing what patients pay, with overlap in payer/provider data and benefits-insight capabilities.
Direct peers
- Medical Cost Advocate: Medical Cost Advocate provides personal medical bill review, negotiation, and insurance dispute resolution for consumers. Comparable service scope to Granted's bill-review and denial-appeal offerings.
- Goodbill: Goodbill is a direct-to-consumer medical bill negotiation service that audits and reduces patient bills for a success fee. Closest analog to Granted's core bill-review + negotiation + outcome-based pricing model.
- Resolve Medical Bills: Resolve Medical Bills is a consumer-facing medical bill reduction and claims-denial service. Comparable offering (bill audit, negotiation, denial appeals) and target user to Granted.
- BillFixers: BillFixers negotiates medical and dental bills for consumers on contingency. Direct overlap in use case (medical bill reduction) and consumer persona, predating Granted with a human-led model.
- CopaPatient: CopaPatient negotiates medical bills on consumers' behalf for a contingency fee. Same target customer, same outcome-based monetization, similar bill-negotiation use cases as Granted.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Granted Health social profiles
Digital presenceGranted Health financial estimates
Financial estimateRevenue estimate
Valuation estimate
Granted Health leadership team
Management profileNumber of profiles
Profiles2 records
Granted Health funding detail
Funding detailFunding overview
Funding rounds1 record
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Granted Health M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Granted Health
What does Granted Health do?
Granted Health provides a direct-to-consumer AI-powered healthcare advocacy service that reviews medical bills and Explanations of Benefits (EOBs) for errors, negotiates reductions with providers, files denied-claim appeals, and surfaces unused insurance benefits on behalf of individual users and families. Its offering combines an AI engine (Granted AI / Granted MedBill AI) with human Healthcare Advocates who handle end-to-end back-and-forth with insurers, providers, billing offices, and debt collectors, supported by integrations with 1,300+ U.S. insurance and patient portals.
Is Granted Health a public or private company?
Granted Health is a private company. It is classified as venture growth investor backed and is currently operating.
When was Granted Health founded?
Granted Health was founded in 2023. It employs 11 to 50 people.
Where is Granted Health based?
Granted Health is headquartered in New York, United States, in the North America region.
How does Granted Health make money?
Three revenue lines are on record. Success fee on bill savings (Bill Pay) is the primary driver. The others are optional subscription and free usage of core service.
Who are Granted Health's main competitors?
Broad incumbents on record are Health Advocate (West Health Advocate Solutions), Optum (UnitedHealth Group) and Waystar. Emerging players are Candid Health and Turquoise Health. Direct peers are Medical Cost Advocate, Goodbill, Resolve Medical Bills, BillFixers and CopaPatient.
Does Granted Health have an API?
No public API is recorded for Granted Health.
What industry is Granted Health in?
Granted Health's product category is Healthcare Advocacy (Consumer Medical Bill Reduction and Insurance Benefits Optimization). Its primary akta.pro industry code is FSAMAJAH, Healthcare Billing & Patient Payments Presentment, with a secondary code of HLACACAD, Eligibility & Benefits Verification. Its NAICS code is 524114 and its SIC code is 6411.