Reason across the whole picture
Connect the dots across your benefits, Health Vault, labs, genetics, wearables, protocols, and care history where data is available.
72hr
Typical reimbursement timeline
Better coverage · better care
Health insurance is broken.Gabriel is the solution.
Finally, coverage for the care that keeps you healthy. Gabriel combines emergency coverage with a monthly wellness budget for 250+ preventative, root-cause, and cutting-edge care categories traditional insurance ignores. One place to plan, book, pay, track, and optimize your health.
✓HSA/FSA savings
✓All 50 states
Early access in limited waves
Up to$1,700$1,700/mo
For eligible wellness care each month
250+
Types of eligible wellness care
50states
Coverage in all 50 states
Included with every membership
One intelligence for every part of your health.
Over SMS or in the app, Gabriel reasons across your benefits, records, labs, genetics, wearables, care history and more, then turns that context into actions. Paired with a human care team.
Turn intelligence into action
Plan care, surface proactive next steps, find and request providers, coordinate bookings, and help place eligible orders.
Use SMS or the Gabriel app
Start with a text or open the app. Your requests, context, and progress stay connected across both experiences.
Close the loop
Track appointments and orders, submit receipts, prepare reimbursement requests, and keep the next step visible.
Behind every conversation
Man & machine, working together. Twelve purpose-trained agents do the work. Your human care team directs and reviews it.
Understand your healthYour records, labs, and history, read as one picture.
Build your care planEvidence-checked next steps, tailored to you.
Make care happenProviders found, appointments booked, orders placed.
Handle the paperworkBenefits, claims, and reimbursements, done for you.
Overseen by your human care team. More hands-on support in higher tiers.
What Gabriel covers
250+ wellness categories covered.
These are the highest-demand categories. Gabriel supports 250+ eligible wellness modalities, with reimbursement for the everyday and cutting-edge categories that keep you healthy and thriving.
Modality index001 – 250+
Eligibility varies by tier + state lawReimbursable in Gabriel
01
Peptides & longevity compounds
Prescription peptides, clinician-guided protocols, longevity compounds, and optimization support where legally available.
Eligible by tier02
Fertility, hormones & women's health
Fertility testing, ovarian reserve markers, hormone panels, thyroid, PCOS, perimenopause, and cycle-health labs.
Often ignored by insurance03
Men's health & performance diagnostics
Testosterone, metabolic markers, cardiovascular risk, coronary calcium scans, sleep, body composition, and performance labs.
Testing beyond the annual physical04
Advanced diagnostics & root-cause labs
Micronutrients, inflammation, gut health, toxins, genetics, CGMs, advanced bloodwork, and specialty diagnostics.
Amount scales by tier05
Holistic doctors & specialists
Functional medicine, integrative doctors, naturopaths, longevity clinics, second opinions, and care navigation.
Handled in one thread06
Supplements & protocols
Practitioner-grade supplements, personalized protocols, refill support, and interaction checks.
Eligible by protocol07
Recovery, fitness & regenerative care
IV therapy, sauna, cold plunge, red light, hyperbaric, PT, bodywork, regenerative consults, and recovery support.
Tracked in Gabriel08
Serious-event protection
Hospital, ER, surgery, ACA coverage, claims review, records, referrals, and major-event support underneath.
Protection remains underneath
What membership feels like
Gabriel finds the functional doctor insurance refused to cover, books the appointment, and reimburses you. Via text or app.
- Individuals
- Couples
- Families
- Teams
Pay with pre-tax dollars
Pay for care with pre-tax dollars.
Every membership includes a Clinical Care Component, $99 to $299 a month of clinical services structured as Section 213(d) medical care. Pay that portion with HSA, FSA, ICHRA, or HRA dollars and keep the tax savings.
1
Join Gabriel.Pick your tier and answer a short health questionnaire.
2
Get your itemized statement.Every monthly statement separates the clinical portion of your fee automatically.
3
Pay or get reimbursed pre-tax.Use your HSA/FSA card, ICHRA, or HRA, per your plan’s rules.
The math · Emerald
Membership$249/mo
Clinical Care Component$99/mo
Effective membership~$219/mo
Clinical portion paid pre-tax at a 30% combined marginal rate. Reimbursement depends on your plan administrator’s rules. Not tax advice.
Three levels of support
Choose your coverage.
Every tier includes full Gabriel App & SMS access plus Gabriel Intelligence for reasoning and orchestration across your entire health picture. Higher tiers provide a larger monthly wellness spend, concierge services, human coordination and more.
Emerald · starter
Emerald
$249/ mo
Monthly wellness limitUp to $600 / month$500 base plus up to $100 wearable bonus. Choose Flex Balance Build or Full Access.
Up to $600 a month for the care insurance ignores.The full AI care team, the app, your plan managed, and real reimbursement for the wellness care you already pay cash for.
Includes- We help pick and manage your insurance plan
- Track benefits so money does not sit unused
- Reimburse wellness care insurance ignores
- Text Gabriel to book, submit, and follow up
Pre-tax clinical care~$219/mo effective*
Join Emerald waitlist →
Most chosen
Sapphire · flagship
Sapphire
$399/ mo
Monthly wellness limitUp to $900 / month$750 base plus up to $150 wearable bonus. Choose Flex Balance Build or Full Access.
The flagship health operating system.Insurance maximization, labs and longevity support, device intelligence, and priority guidance in one place.
Everything in Emerald, plus- Reduce bills, claim friction, and out-of-pocket waste
- Coordinate doctors, labs, supplements, and peptides
- Read Oura, WHOOP, CGMs, and 300+ devices
- AI concierge + human agents handle follow-through
- Priority support over text message
Pre-tax clinical care~$351/mo effective*
Join Sapphire waitlist →
Onyx · premium
Onyx
$799/ mo
Monthly wellness targetUp to $1,700 / monthDefault target with the full wearable bonus. Choose Flex Balance Build or Full Access.
White-glove family/executive health command center.Dedicated coordination and concierge support for the highest-touch version.
Everything in Sapphire, plus- Dedicated coordination for families and executives
- Advanced diagnostics, imaging, and concierge scheduling
- Negotiate bills and manage claims end to end
- Coordinate preventive care, specialists, and records
Pre-tax clinical care~$709/mo effective*
Join Onyx waitlist →
*With the Clinical Care Component ($99, $159, or $299 by tier) paid pre-tax at a 30% combined marginal rate. Your plan administrator’s rules govern. Not tax advice.
Just want the intelligence? Ask Gabriel is free at askgabriel.com, and Gabriel Plus, unlimited reasoning for $20/mo, is launching soon. Membership is for when Gabriel should act for you.
Common questions
Everything people ask first.
Is Gabriel insurance?+
Gabriel is an AI-first health insurance and wellness operating system. It helps you switch into a smarter, lower-cost health plan for serious events, then adds preventative wellness coverage and concierge care for everything traditional insurance ignores.
What makes Gabriel different from normal insurance?+
Traditional insurance waits until something goes wrong. Gabriel helps you stay well before that happens. You get a right-sized health plan for serious events, preventative wellness coverage for the care insurance ignores, and proprietary AI agents that reason, orchestrate, manage, and take action.
Is Gabriel just another insurance broker?+
No. Gabriel is an AI-first health technology company. The licensed insurance layer lets Gabriel help you compare and switch plans, but the real product is the operating system on top: insurance maximization, root-cause wellness intelligence, concierge care, booking, claims, reimbursements and more, all in one conversation.
Is Gabriel licensed to help me switch plans and enroll?+
Yes. Gabriel can help members compare and switch health insurance plans in all 50 states.
Is Gabriel more expensive than normal health insurance?+
Usually, no. Gabriel often comes out to less, or around the same price as a typical Silver plan, but with far more included. We right-size your insurance first, then add monthly wellness dollars, AI plan management, and concierge support on top.
Can I pay with my HSA or FSA?+
Partly, by design. Every membership fee is split on your statement into a Clinical Care Component ($99 to $299 a month by tier), structured as medical care under Section 213(d), and a Wellness & Concierge Component. Many members pay or get reimbursed for the clinical portion through an HSA, FSA, ICHRA, or HRA, and Gabriel provides the itemized statement your plan administrator requires. Your plan’s rules and your tax advisor govern what qualifies. Not tax advice.
What does Gabriel cover that insurance ignores?+
Gabriel can support prescription and research-use peptides where eligible, advanced diagnostics and labs, supplements, functional medicine, integrative and naturopathic doctors, fitness, recovery, IV therapy, cannabis and psychedelic medicine where legal, and 250+ preventative wellness categories. Traditional insurance is built for sick care. Gabriel is built to help you thrive.
What kind of care is Gabriel built for?+
Gabriel is built for root-cause, whole-person care. Instead of treating health as a list of isolated claims, Gabriel helps connect the dots across your symptoms, labs, goals, habits, stress, sleep, hormones, nutrition, environment, and care history, so your next step reflects the full picture of your health.
Won't my deductible be higher if I switch to a lower-cost plan?+
Yes, your deductible may be higher. That is part of how Gabriel helps lower your monthly premium. But Gabriel includes full deductible coverage for serious medical events, so you can save monthly without living in fear of a major out-of-pocket hit.
How does Gabriel maximize my insurance?+
Gabriel turns your insurance plan into a 24/7 benefits brain. Ask what is covered, what you should pay, which doctors may be in-network, or whether a lab, scan, treatment, or prescription can run through your plan. Then Gabriel handles the legwork: calls, booking, follow-ups, claims, reminders, and reimbursements in one thread.
What actions can Gabriel take on my behalf?+
Gabriel can handle the health admin you should not have to do yourself: order approved supplements, help coordinate peptides where legally available, book doctors, treatments, labs and diagnostics, fill out superbills, track claims, chase reimbursements, and help negotiate medical bills. You stay in control, Gabriel does the legwork.
Can Gabriel book care for me?+
Yes. Gabriel can find doctors, call offices, deal with receptionists, book appointments, coordinate labs or diagnostics, and keep the next step moving. You should not have to waste hours on hold to use the coverage you already pay for.
How does Gabriel personalize my care?+
As a free and optional service, Gabriel builds a living picture of your plan, goals, labs, benefits, protocols, providers, medications, supplements, and follow-ups. The more context Gabriel has, the better it can spot gaps, suggest smarter next steps, and take preventative actions on your behalf.
What happens if my doctor is out of network?+
Gabriel looks for the smartest covered option first. If insurance will not pay, Gabriel checks whether your wellness benefits can. Either way, you get a clear next step instead of a dead end.
How fast do reimbursements happen?+
Text Gabriel a receipt. Gabriel checks it, tracks it, and pays approved eligible claims fast, with a 48-hour target after verification. No claim forms, no portals, no two-hour phone calls.
Can I keep my current doctor or plan?+
Usually, yes. Gabriel can work with your current plan, but we also check whether you are overpaying or missing a better option. If switching makes sense, Gabriel discusses your options before you change anything.
What happens in a serious medical event?+
Your health insurance covers it. Hospital visits, emergencies, surgery, and major medical events. Gabriel helps you choose and manage that protection and fights on your behalf to make sure your insurance carrier does right by you, we maximize the value you extract from your plan and make sure you leave no money on the table.
Is Gabriel available in every state?+
Yes. Gabriel is built to support members in all 50 states. Plan options, pricing, and coverage details vary by location, income, household, and available ACA plans.
Can Gabriel help families?+
Yes. Gabriel can help individuals, couples, and families compare coverage, manage benefits, coordinate care, and keep everyone organized in one thread. Gabriel also has special offerings for businesses and teams.
Can Gabriel help if I have employer insurance?+
Yes. Gabriel can help you understand and maximize the plan you already have. If another option may be better, Gabriel can help compare it before you make a change.
Is my health information private?+
Yes. Gabriel is built for private health and insurance conversations. Your information is used to help you understand coverage, coordinate care, and manage your benefits. Gabriel's database is HIPAA compliant, and we will never share or sell your data to third parties.
What happens after I join the waitlist?+
Gabriel texts you right away, checks your situation, estimates your total monthly cost, and starts handling the next step. If switching makes sense, Gabriel helps compare plans, gather what is needed, and move you forward without the usual insurance runaround.
Can I cancel anytime?+
Flex is billed month to month. Full Access requires the first three monthly membership fees upfront and then renews monthly. Cancellation and refund timing follow the selected option and the Membership & Benefits Agreement. Your health insurance is separate, so canceling Gabriel does not automatically cancel or change your health plan.
How does Gabriel afford to cover all of this?+
Gabriel was built from the ground up with AI, so it operates very differently from a traditional insurance company. Instead of wasting your money on bloated admin and overhead, Gabriel uses more of what you pay to fund preventive wellness benefits, AI-powered plan management, concierge care, and serious-event deductible protection. The goal is simple: cut the extreme waste from traditional health care operations and redirect more of what you spend back into your care.
Our philosophy
End sick-care. Make root-cause healing the standard.
Gabriel reasons across 36+ systems of medicine
HSA/FSA savings · No card required · Join in 10 seconds