Gravie

Gravie is a Minneapolis, Minnesota health benefits company founded in 2013 that designs and administers health plans for small and midsize employers. Its flagship product, Comfort, is a level-funded group health plan with zero deductibles and zero copays on most common healthcare services (preventive and primary care, specialist visits, labs and imaging, generic prescriptions and virtual care), paired with Gravie ICHRA (Individual Coverage Health Reimbursement Arrangement) administration, Gravie Pay for out-of-pocket cost financing, Gravie Care member navigation, and a pharmacy benefit. Gravie acts as a third-party administrator on top of partner provider networks (Aetna Signature Administrators, Cigna, Cigna OAP, HPS/Paymedix, and historically PreferredOne), settling claims under payer IDs GRV01 and 62308. Gravie publishes no public developer program or documented API; its machine-readable public surface is the CMS Transparency in Coverage in-network rate and allowed-amount files it posts on behalf of plan sponsors, alongside member, employer and provider portals and native iOS/Android member apps served from a private api.gravie.com backend.

Gravie publishes 1 API on the APIs.io network. Tagged areas include Company, Health Insurance, Health Benefits, Employee Benefits, and Third-Party Administrator.

Gravie’s developer surface includes documentation, support, engineering blog, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

21.9/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

1 APIs

Company Health Insurance Health Benefits Employee Benefits Third-Party Administrator ICHRALevel FundedTransparency In Coverage Machine-Readable Files Healthcare Insurance Regulatory

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 21.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 6.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 5.5 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/gravie: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Gravie Transparency in Coverage Machine-Readable Files

Public machine-readable files Gravie posts on behalf of its plan sponsors under the CMS Transparency in Coverage rule (45 CFR 147.211). Files cover in-network negotiated rates f...

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Gravie Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Login

EmployerPortal

EmployerPortal

ProviderPortal

ProviderPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

LegalNotices

LegalNotices

Company 7

The organization behind the API

Website

Blog

BlogRSS

NewsBlog

Careers

LinkedIn

Twitter

Twitter

Scroll for all 7

Other 7

Properties that don't map to a standard resource type

Podcast

Podcast

TransparencyInCoverage

TransparencyInCoverage

Glossary

Glossary

Licensing

Licensing

ProviderDirectory

ProviderDirectory

iOSApp

iOSApp

SecondaryMarket

SecondaryMarket

Scroll for all 7

Source (apis.yml)

aid: gravie
name: Gravie
description: Gravie is a Minneapolis, Minnesota health benefits company founded in 2013 that designs and administers health
  plans for small and midsize employers. Its flagship product, Comfort, is a level-funded group health plan with zero deductibles
  and zero copays on most common healthcare services (preventive and primary care, specialist visits, labs and imaging, generic
  prescriptions and virtual care), paired with Gravie ICHRA (Individual Coverage Health Reimbursement Arrangement) administration,
  Gravie Pay for out-of-pocket cost financing, Gravie Care member navigation, and a pharmacy benefit. Gravie acts as a third-party
  administrator on top of partner provider networks (Aetna Signature Administrators, Cigna, Cigna OAP, HPS/Paymedix, and historically
  PreferredOne), settling claims under payer IDs GRV01 and 62308. Gravie publishes no public developer program or documented
  API; its machine-readable public surface is the CMS Transparency in Coverage in-network rate and allowed-amount files it
  posts on behalf of plan sponsors, alongside member, employer and provider portals and native iOS/Android member apps served
  from a private api.gravie.com backend.
url: https://raw.githubusercontent.com/api-evangelist/gravie/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment-pass
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
specificationVersion: '0.23'
image: https://www.gravie.com/wp-content/uploads/2023/03/gravie-logo-green.svg
created: '2026-08-01'
modified: '2026-08-01'
tags:
- Company
- Health Insurance
- Health Benefits
- Employee Benefits
- Third-Party Administrator
- ICHRA
- Level Funded
- Transparency In Coverage
- Machine-Readable Files
- Healthcare
- Insurance
- Regulatory
tags_raw:
- Company
- Health Insurance
- Health Benefits
- Employee Benefits
- Third Party Administrator
- ICHRA
- Level Funded
- Transparency In Coverage
- Machine Readable Files
- Healthcare
- Insurance
- Regulatory
apis:
- aid: gravie:transparency-in-coverage
  name: Gravie Transparency in Coverage Machine-Readable Files
  description: Public machine-readable files Gravie posts on behalf of its plan sponsors under the CMS Transparency in Coverage
    rule (45 CFR 147.211). Files cover in-network negotiated rates for the Cigna and Cigna OAP networks and the HPS/Paymedix
    network, plus out-of-network allowed amounts via Zelis. Plans effective September 1, 2022 or earlier are covered by PreferredOne's
    index; plans effective October 1, 2022 or later are covered by the Gravie-hosted files. This is a file-based regulatory
    data surface, not a REST API — the JSON payloads follow the CMS price-transparency schemas published by the Center for
    Medicare and Medicaid Services.
  humanURL: https://www.gravie.com/compliance/transparency-in-coverage/
  baseURL: https://static.gravie.com/MRFs/
  tags:
  - Transparency In Coverage
  - Machine-Readable Files
  - Pricing
  - Regulatory
  - Health Insurance
  tags_raw:
  - Transparency In Coverage
  - Machine Readable Files
  - Pricing
  - Regulatory
  - Health Insurance
  properties:
  - type: Documentation
    url: https://www.gravie.com/compliance/transparency-in-coverage/
  - type: InNetworkRates
    name: Cigna in-network rates (JSON, gzip)
    url: https://static.gravie.com/MRFs/CignaMRF.json.gz
  - type: InNetworkRates
    name: Cigna OAP in-network rates (JSON, gzip)
    url: https://static.gravie.com/MRFs/CignaOAPMRF.json.gz
  - type: InNetworkRates
    name: HPS / Paymedix in-network rates (ZIP)
    url: https://static.gravie.com/MRFs/HPSPaymedixMRF.zip
  - type: AllowedAmounts
    name: Zelis out-of-network allowed amounts (CSV)
    url: https://static.gravie.com/MRFs/ZelisMRF.csv
  - type: Index
    name: PreferredOne MRF index (plans effective 2022-09-01 or earlier)
    url: https://www.preferredone.com/mrf/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/gravie-domain-security.yml
- type: Website
  url: https://www.gravie.com/
- type: Documentation
  url: https://www.gravie.com/compliance/transparency-in-coverage/
- type: Support
  url: https://www.gravie.com/contact/
- type: Blog
  url: https://www.gravie.com/perspectives/
- type: BlogRSS
  url: https://www.gravie.com/feed/
- type: NewsBlog
  url: https://www.gravie.com/news/
- type: Podcast
  url: https://www.gravie.com/podcast/
- type: GitHubOrganization
  url: https://github.com/gravieinc
- type: Careers
  url: https://www.gravie.com/careers/
- type: Login
  url: https://member.gravie.com/login
- type: EmployerPortal
  url: https://employer.gravie.com/
- type: ProviderPortal
  url: https://gravie-mesa.javelinaweb.com/
- type: TermsOfService
  url: https://www.gravie.com/compliance/terms-of-use/
- type: PrivacyPolicy
  url: https://www.gravie.com/compliance/privacy-policy/
- type: Compliance
  url: https://www.gravie.com/compliance/
- type: TransparencyInCoverage
  url: https://www.gravie.com/compliance/transparency-in-coverage/
- type: Glossary
  url: https://www.gravie.com/compliance/glossary/
- type: Licensing
  url: https://www.gravie.com/compliance/gravie-licensing/
- type: LegalNotices
  url: https://www.gravie.com/compliance/legal-notices/
- type: ProviderDirectory
  url: https://www.gravie.com/find-providers/
- type: Conformance
  url: conformance/gravie-conformance.yml
- type: LLMsTxt
  url: llms/gravie-llms.txt
- type: LinkedIn
  url: https://www.linkedin.com/company/gravie/
- type: Twitter
  url: https://twitter.com/gogravie
- type: iOSApp
  url: https://apps.apple.com/us/app/gravie/id1626358793
- type: SecondaryMarket
  url: https://forgeglobal.com/gravie_stock/
x-enrichment:
  date: '2026-08-01'
  status: enriched
  artifacts_added: 4
  pass: local-v1

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