Give employees free healthcare
while saving money.
Gimble Card provides first-dollar liquidity for medical expenses. Switch to an HDHP, fund employee out-of-pocket costs, and still save 20–30% on benefits.
See How It WorksThe HDHP paradox, solved.
High-deductible plans save money but employees hate them. Gimble Card makes HDHPs feel like the richest plan you've ever offered.
Employees fear HDHPs
A $3,300 deductible means employees need $3,300 in cash before insurance kicks in. They avoid care, stress about bills, and resent the plan.
Gimble Card bridges the gap
Employee swipes Gimble Card at the doctor. We pay immediately. Balance settles over time via HSA or payroll. No upfront cash needed. Ever.
How it works
Like Ramp for medical expenses. Simple for employees, powerful for employers.
Employee gets care
Swipe Gimble Card at the doctor, pharmacy, or hospital. We pay the provider immediately.
Balance accumulates
Medical expenses post to their account. No interest. No fees. Up to their deductible limit.
Settled over time
Balance repaid via automatic HSA sweeps or small payroll deductions spread over the year.
The math works. In every scenario.
HDHP premiums are 39% lower than traditional plans. Even if you fund ALL employee out-of-pocket costs via Gimble Card, you still save money. In realistic scenarios, you save a lot.
The key insight: Premium savings are so large that employers can give employees free healthcare and still come out ahead.
| Scenario | Employer Saves |
|---|---|
| Low utilization | ~35% of premiums |
| Typical utilization | ~25% of premiums |
| Everyone hits OOP max | Still saves 15%+ |
"You will never need to come up with a large, unexpected medical bill upfront — even early in the year."
The Gimble Card promise to every employee
The best tax-advantaged account in America.
Most HSA providers treat your account like a spending account. Gimble treats it like what it actually is: a wealth-building tool with triple tax advantages and no requirement to spend on healthcare.
Use any card you already have. We identify qualified medical expenses automatically. Choose to reimburse now or bank your receipts for decades of tax-free growth.
- 1Tax-free in. Pre-tax contributions reduce your income.
- 2Tax-free growth. Invest in low-cost index funds. No capital gains.
- 3Tax-free out. Withdraw for medical expenses at any time. After 65, it's just an IRA.
- +Receipts never expire. Bank today's medical expenses, withdraw tax-free in 30 years.
What Gimble Card is (and isn't)
Gimble Card is a financial instrument, not insurance. That's what makes it work.
Gimble Card IS
- A credit-based charge account for medical expenses
- 0% interest, always
- Employer-sponsored, employee-used
- HSA-compatible and HDHP-friendly
- Settled via HSA reimbursement or payroll
Gimble Card IS NOT
- Insurance
- A medical reimbursement plan
- A welfare benefit
- Risk-pooled or underwritten
- Claims-based or diagnosis-dependent
See the detailed analysis
Our interactive business case lets you plug in your employee counts and see exact savings across every scenario.
Open the Business Case CalculatorReady to offer free healthcare?
See how much you could save while giving employees the best benefits experience they've ever had.
Get a Custom Analysis