Garner Health

Garner Health is a New York-based digital care navigation company that uses claims data analytics to identify high-performing physicians and pairs those recommendations with financial incentives for patients to use them. The company says it has compiled a U.S. claims database of over 60 billion medical records covering 320 million patients, which it uses on a deidentified basis to evaluate which doctors diagnose more accurately, follow current medical research, avoid unnecessary procedures and produce better patient outcomes at lower cost. Physicians ranked in the top tier are designated "Top Providers," which the company describes as roughly the top 20% of doctors.

The product is sold primarily to employers as a benefit that sits alongside an existing health plan and network. Employees use the Garner app or website to search for in-network Top Providers by name, symptom or specialty, add them to an approved provider list, and then submit out-of-pocket costs for reimbursement funded by the employer through a Health Reimbursement Arrangement. Garner also operates a concierge support team reachable through the app and by email during weekday business hours, and an AI-based Garner Assistant available around the clock.

Beyond the employer benefit, Garner markets Garner Insights, a provider performance data offering aimed at supporting value-based care and provider growth, and works with benefits advisors as a distribution channel. Following its May 2026 Series E, the company said it would invest in AI products including a Garner Research Agent that reviews medical literature to inform physician quality scoring and a Garner Member Assistant that handles tasks such as appointment booking, benefit questions and claims checks.

Founding story

CEO Nick Reber founded Garner in 2019 after personal experience with the healthcare system: he suffered back pain that was misdiagnosed and ultimately resulted in four surgeries. He has said this led him to conclude that healthcare's cost and quality problems stem from a lack of consumer incentives and consumer information, and to direct his career toward addressing those issues. Prior to Garner, Reber was on the leadership team at Oscar Health working on analytics and provider network development, and before that a partner at Bridgewater Associates, where he was co-head of Research Analytics.

Business model

Garner sells a benefit product to employers (and reaches them via benefits advisors and brokers) that layers on top of an employer's existing health plan and network rather than replacing it. The benefit is structured as a Health Reimbursement Arrangement funded entirely by the employer: when a member sees a Garner-designated Top Provider, qualifying out-of-pocket costs such as copays, office visits, tests and surgeries are reimbursed. Garner states that it does not permit providers to pay for placement in its recommendations. It also offers Garner Insights, a provider-facing data product supporting value-based care and provider growth.

The sources do not state Garner's pricing or revenue mechanics beyond that the benefit is purchased and funded by employers, with reimbursements to members paid through an employer-funded Health Reimbursement Arrangement, and that a separate data product (Garner Insights) is offered to providers.

Traction

As of May 2026 Garner reported working with nearly 800 organizations and reaching 2.5 million members, with clients seeing a stated 12% annual reduction in healthcare spending; the company's website cites more than 700 partner organizations. It says members save an average of 80% on out-of-pocket costs per visit. Provider partnerships include Mercy, Atlantic Health, Teladoc Health and Marathon Health. The company reports four Comparably Top Workplace awards.

Latest developments

In May 2026 Garner announced a $100 million Series E led by Index Ventures at a $2.74 billion valuation, with Kleiner Perkins, Redpoint, Thrive, Sequoia, Founders Fund and Kaiser Permanente Ventures participating; the round followed a $118 million Series D announced in February 2026 at a $1.35 billion valuation. The company said the capital will fund expansion of its provider quality platform, AI-driven product development including the Garner Research Agent and Garner Member Assistant, and broader member access. Its website describes the raise as building an "AI front door to healthcare."