Solutions → ICHRA Model
ICHRA ModelKnow exactly who wins and who loses before you walk into the meeting.
ICHRA Model gives brokers and consultants the actuarial depth to model group-to-ICHRA transitions at the individual employee level — and lead every employer conversation with a clear strategic recommendation.
Built for: Brokers · Benefits Consultants · Distribution Partners
Save money
8
Similar cost
2
Pay more
1
Employee #6
Saves $2,430/yr
vs. current group plan
The Problem
Employers are asking the right question. Most tools can't answer it.
When an employer considers switching from a group plan to ICHRA, the first thing they ask is simple: “Which of my employees will be better off, and which won't?” Until now, getting that answer meant weeks of analysis — or settling for a rough estimate that nobody fully trusted.
What employers ask in the room
Until now, there was no good answer.
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.
How It Works
From census to client-ready presentation in four steps.
Upload your census and current plan design
Drop in the employer's employee census and existing plan details, in any format. ICHRA Model's AI engine automatically parses the data into a structured format, no manual reformatting required.
Drop census or plan files here
Build and adjust scenarios live
Start from pre-built scenarios tailored to the employer's situation, then adjust contribution formulas, benchmarks, and dependent assumptions on the fly. Every change is modeled against real individual market plan data.
Get the recommendation — down to the individual
The model applies a strategic framework to identify the optimal contribution scenario, then lets you drill into every single employee: their projected premium, out-of-pocket exposure, and whether they come out ahead or behind vs. their current plan.
Show up with a strategy — not a spreadsheet
Open an interactive HTML report to explore multi-dimensional results across scenarios, classes, regions, and employee outcomes. Or export a fully formatted, client-ready PowerPoint presentation and detailed Excel breakdown — automatically generated from your analysis.
Live Model
Change the strategy. Change who wins.
Adjust HRA formulas, age-banding, regional benchmarks, dependent assumptions, and scenario rules on the fly – then see employer cost, employee impact, and compliance checks update immediately.
Move more employees into the win column
Answer "what if" questions live
Hand the client the winning scenario
Scenario
Age-banded contribution
Employer savings
13%
savings
Employee impact
Why It's Different
Actuarial depth. Built for how brokers actually work.
Individual-level precision
Every employee is modeled individually — age, health profile, provider relationships, and anticipated out-of-pocket costs.
Beyond premium
See the full picture — deductibles, copays, coinsurance, and network access — the variables that determine whether an employee is truly better off.
Built for the broker workflow
Self-serve, fast, and client-ready. From census upload to client presentation in a single session.
Paired with
Plan NavigatorThe employer decided. Now employees need guidance.
Once an employer commits to ICHRA, employees need guidance choosing from hundreds of individual market plans. Plan Navigator uses the same individual-level cost intelligence to guide each employee to the right plan — completing the transition.
See ICHRA Model in action.
Walk through a live demo and see how your next employer conversation could look.