Marek Ciolko is a serial health care entrepreneur with a goal to upend the way traditional health benefits services are offered; in 2013, he co-founded Minneapolis-based Gravie, a health benefits marketplace that flips the traditional model of employer-sponsored health insurance, helping employers and employees navigate the complexities of health benefits with more flexibility, options, and reduced costs. Gravie has served over 900 employers and 62,000 individuals across the U.S. In 2020, Ciolko led Gravie’s launch of a zero-copay, zero-deductible health benefits option, which offers 100 percent coverage on most common health care services including physician visits, specialist visits, labs, and generic drugs.