The right benefits, care, and cost for every workforce.
Gravie’s portfolio spans three solutions — Level-Funded, ICHRA, and Edge — each built to match a different kind of workforce, cost model, and employer need. Review and compare them side by side to find your fit.
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Gravie offers three health benefit solutions:
Gravie Level-Funded, a curated group health plan with fixed payments and claims-surplus upside; Gravie ICHRA, a defined-contribution benefit where employers set a fixed allowance and employees shop the individual market; and Gravie Edge, a hybrid of the two that extends the right fit across a whole workforce, all under one account team.
Level-Funded suits companies that want a shared benefit experience. ICHRA suits workforces that need flexibility and cost certainty. Edge suits employers who want to offer both, coordinated in one place.
Three solutions, one Gravie standard
Fixed monthly payments with savings potential based on claims. For companies that want a shared benefit experience and curated plan designs.
Full cost control through a fixed employer allowance. For workforces that value choice, flexibility, and cost certainty.
Hybrid benefits solution combining Level-funded and ICHRA in one coordinated program. For companies that want the strength of both.
Compare Level-Funded, ICHRA, and Edge
All three are backed by Gravie Care. Here’s how workforce fit, cost, and experience differ.
Here’s how each fits a different kind of workforce:
|
|
Level-Funded |
ICHRA |
Edge |
|---|---|---|---|
| Workforce alignment |
Level-Funded
For companies that want a shared benefit experience with curated plan designs.
|
ICHRA
For workforces that value flexibility and choice and need cost certainty.
|
Edge
For managing varied needs across multiple parts of a workforce.
|
| How cost works |
Level-Funded
Fixed monthly payments with upside potential based on claims surplus.
|
ICHRA
Full cost control through a fixed employer allowance.
|
Edge
Level-funded and ICHRA costs managed together in one program.
|
| Employer Experience |
Level-Funded
Predictable renewals with the potential for savings, plus hands-on implementation and account management.
|
ICHRA
Fixed, per-employee costs with no renewal shock, and the tools and support to administer it simply.
|
Edge
Broader coverage options with one partner coordinating both plans across an entire workforce.
|
| Member Experience |
Level-Funded
No-cost preventive care and drugs, a dedicated Gravie Care team, and virtual care options.
|
ICHRA
Guided shopping and access to a market-leading carrier network with on- and off-exchange plans.
|
Edge
Consistent support and experience across level-funded or ICHRA benefits.
|
| Included with every solution |
Level-Funded
Year-round member support through Gravie Care®.
|
ICHRA
High-touch member and employer services.
|
Edge
Single account management structure spanning both plan types.
|
| Explore this solution |
Level-Funded
|
ICHRA
|
Edge
|
Get into the details
Gravie Level-Funded
Innovative plan designs tailored to the needs of the modern workforce, with an end-to-end service model built for small and midsize businesses.
- Curated plan designs, including Comfort
- End-to-end service model designed to support SMBs
- Year-round member support through Gravie Care®
Gravie ICHRA
An end-to-end ICHRA solution with high-touch service and a guided digital shopping experience for employees.
- High-touch member and employer services
- Leading digital platform with guided shopping experience
- National presence with market-leading carrier connectivity
Gravie Edge
A hybrid of Level-Funded and ICHRA for employers whose workforce is better served by more than one plan, coordinated as one program.
- Hybrid level-funded and ICHRA offering
- Flexibility to fit coverage to your whole workforce
- Single account management structure
Position the full portfolio to your clients
Get proposal templates, implementation guides, and a dedicated broker team to help you sell Level-Funded, ICHRA, and EDGE with confidence.
Find the right fit for your workforce
Talk with our team about your workforce and current spend. We’ll help you figure out which solution, or combination, fits best.
Frequently Asked Questions
Level-Funded is a curated group health plan with fixed monthly payments and upside potential based on claims surplus. ICHRA is a defined-contribution benefit where the employer sets a fixed allowance and employees shop for their own individual market plan. Edge combines both into a hybrid offering for employers whose workforce is better served by more than one plan, coordinated under one account management structure.
Gravie Edge is a hybrid benefits solution that blends Level-Funded and ICHRA so an employer can extend the right coverage across their whole workforce. Coverage can be structured in a number of ways — federal HRA rules recognize 11 employee classes, from work status to geographic area — giving employers real flexibility to build coverage around how their business actually runs.
Both ICHRA and Edge are great fits here — the right one depends on how much of the workforce a single model can serve well. ICHRA is a strong choice on its own for distributed or multi-state teams: employees in different markets each get access to the strongest local option, with cost certainty for the employer. Edge is the better fit when part of the workforce is well served by a traditional group plan and part isn’t — it lets an employer match group coverage where it works and use the individual market where it creates a better fit, managing both as one benefits strategy
Level-Funded uses fixed monthly payments with upside potential based on claims surplus. ICHRA gives employers cost control through a fixed allowance per employee. Edge brings both together in one program, so employers can manage cost across the whole workforce while matching coverage to how the business is structured.
Yes. Level-Funded, ICHRA, and Edge are all backed by Gravie Care, and members get consistent support and experience regardless of which underlying plan type they’re on. Gravie Care is easy to reach, with an average call wait time of 30 seconds, and helps members with everything from choosing and enrolling in a plan, to accessing care, to resolving claims and payment issues
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