Save up to 40% on health insurance coverage.

Gleam is your group HRA management platform, built for simplicity. Stack an HRA cash benefit on top of a low-cost insurance plan to get top-tier healthcare coverage at a fraction of the price. Spend only what you use.

Designed for companies looking for a simple way to cut insurance costs, without hurting their team.

Admin dashboard

Easy to manage.

Configure your HRA once, and let it run on autopilot. Monitor spending trends so you can build a benefits package tailored to your employees' needs.
Member dashboard and business credit card

Delightful to use.

Employees can enroll in plans, request cards according to your company's approved policies, and monitor their spending - all in one place.
How it works

Getting set up is simple.

Buy a health insurance plan.

Work with any broker, HRIS, or PEO, to buy the health plan your team needs. We support any carrier, and any plan.

Design your HRA.

Set limits on spending, where issued cards can be used, and integrate with the tools you already use.

Set up your financial account.

Fee–free financial accounts and business credit cards. Built for any scale, complete with dedicated support and eligible for FDIC insurance up to $250K.

Invite your team.

Connect to your HRIS to automatically invite employees to the platform. Once enrolled, employees can immediately access physical and virtual business credit cards connected to a dedicated financial account, with limits tied to your company's HRA rules.

Enjoy the cost-savings.

Attract and retain top talent by offering Platinum-level coverage, but only pay for what gets used.

Unlock Affordable Insurance Coverage Today.

You don't need to be an insurance expert to save with Gleam.

Gleam Care, Inc. is a financial technology company, not a bank. Gleam partners with Stripe Payments Company for money transmission services and account services with funds held at Evolve Bank & Trust, Member FDIC. Gleam Visa® Commercial Credit cards are issued by Celtic Bank.

For financial accounts provided by Stripe (”HRA Account”):
Stripe Treasury accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same type of account.

Neither Stripe nor Gleam is an FDIC-insured institution. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.