Turn ICHRA complexity into your competitive advantage.
From contribution modeling to employee plan selection — Visuary AI gives brokers, carriers and distribution partners the actuarial intelligence to lead the ICHRA market with confidence.
10,000+
ACA plans analyzed
51
States + D.C. covered
Patent
Pending technology
API
Ready for integration
The Problem
ICHRA changes everything. Most tools haven't caught up.
Employers considering ICHRA face a fundamentally different decision than renewing a group plan — and brokers need a new kind of intelligence to guide them through it.
Winners & losers are invisible
Without individual-level modeling, brokers can't show which employees benefit and which don't when switching from group to ICHRA.
Hundreds of plans, no guidance
Employees entering the individual market for the first time are overwhelmed. Choosing wrong means misaligned coverage and higher out-of-pocket costs.
Premium alone misses the picture
True cost includes out-of-pocket exposure, provider network access, and formulary coverage. Tools that only compare premium leave everyone guessing.
Our Platform
Built for the full complexity of the individual market.
Visuary AI combines actuarial rigor, deep plan data, and modern AI to give brokers, carriers and distribution partners a complete decision-support engine.
01
Actuarial-grade modeling
Contribution strategies built on real out-of-pocket cost simulation, not premium estimates.
02
Deep plan intelligence
Provider networks, formularies, and personalized cost analysis across every available plan.
03
End-to-end coverage
The only platform supporting both the employer decision and employee selection in one engine.
Two Solutions. One Integrated Platform.
The complete ICHRA decision stack.
Model every scenario with actuarial confidence.
For brokers, consultants & distribution partners
Compare group-to-ICHRA transition scenarios and identify winners and losers at the individual employee level — accounting for premium, out-of-pocket costs, provider networks, and more.
- Geographic workforce mapping across rating areas
- Individual-level cost simulation across demographics
- Live contribution modeling & scenario comparison
- Winner/loser analysis by employee segment
- Provider network & formulary evaluation
Guide every employee to the right plan.
For employers, brokers, carriers, TPAs & enrollment platforms
When employees enter the individual market for the first time, Plan Navigator's proprietary scoring engine evaluates every available plan — surfacing the right one, not just the cheapest.
- Personalized plan scoring by health profile
- Out-of-pocket cost simulation per individual
- Provider network evaluation
- AI assisted plan comparison and selection guidance
- Embeds into enrollment workflows via API
Geography decides ICHRA.
Start with the map.
Workforce Atlas maps every employee to their county and rating area — surfacing the geographic patterns that determine whether ICHRA is the right move.
Who We Serve
Built for the partners shaping benefits distribution.
Brokers & Consultants
Model ICHRA transitions with confidence and guide clients through the switch with individual-level cost precision.
Insurance Carriers
Strengthen ACA & IFP conversion and support distribution partners expanding into the employer market as ICHRA grows.
TPAs & Enrollment Platforms
Embed actuarial-grade plan intelligence and ICHRA modeling directly into existing enrollment workflows via API.
Why Visuary AI
The intelligence layer the individual market has been missing.
Actuarial rigor
Built on the same analytical frameworks and plan intelligence used by actuaries — not simplified estimates or premium-only comparisons.
Patent-pending technology
Proprietary plan-scoring algorithms purpose-built for individual market complexity, including network evaluation and OOP simulation.
API-ready
Designed for integration into insurance carrier, TPA, and enrollment platform workflows — the decision engine behind your existing experience.
Resources
Guides for brokers navigating the ICHRA shift.
The Broker's Practical Guide to ICHRA: What It Is, How It Works, and What Employers Are Actually Asking
A comprehensive guide for benefits brokers covering how ICHRA works mechanically, how it compares to group health and QSEHRA, the ACA subsidy interaction, and the questions employers ask most.
7 min read ·
Broker GuidesICHRA Compliance Essentials: What Brokers Need to Know Before Recommending the Switch
Notice requirements, ACA affordability rules, permitted employee classes, prohibited practices, and common mistakes — a practical compliance overview for brokers advising on ICHRA.
7 min read ·
ACA & IFPWhy employees choose the wrong health plan — and what it means for your ICHRA implementation
The behavioral research on health insurance plan selection is clear: employees default to the lowest premium and pay for it in out-of-pocket costs, network surprises, and medication gaps. Here is what meaningful guidance looks like.
5 min read ·
Ready to lead your market into ICHRA?
Let's talk about how Visuary AI fits into your distribution strategy.