FAST SETUP · COMPLIANCE CHECK FIRST

Need an ICHRA fast?

Instant ICHRA™ gives brokers and employers a practical path from timing review to signed documents, employee shopping and premium reimbursement—without forcing a small employer into an oversized technology package.

Check my effective date →Compare the two options

Start with timing—not paperwork

Fast does not mean skipping the rules.

We first confirm the employer, eligible employees, intended effective date, notice timing and individual-market enrollment opportunity. If the requested date does not work, we identify the earliest practical compliant path.

1. Timing checkEmployer status, notice window, effective date and enrollment opportunity.

2. Design + signAllowance, eligibility, permitted classes and employer approvals.

3. Deliver noticesProvide the required notice and clear employee launch instructions.

4. Shop coverageEmployees compare individual plans through The ICHRA Shop marketplace.

5. ReimburseVerify coverage, document the request and reimburse up to the allowance.

DID YOU KNOW?

A newly established employer may still start an ICHRA when 90 days of advance notice is not available.

The general 90-day ruleAn established employer generally provides the required notice to eligible employees at least 90 calendar days before the beginning of each ICHRA plan year.

The new-employer 120-day exceptionIf the employer itself was first established less than 120 days before the beginning of its first ICHRA plan year, notice may be provided no later than the date the ICHRA can first take effect.

Employees who become eligible after the plan year begins—or fewer than 90 days before it begins—generally must receive notice no later than the date their ICHRA coverage can first take effect. This exception is for a newly established employer, not an existing employer simply offering an ICHRA for the first time.

Two ways to launch

Use only the help the employer needs.

Choose a one-time documents-first package or add ongoing administration. Both begin with the same setup and timing review.

ONE-TIME · SELF-ADMINISTRATION

Instant ICHRA Documents

$999 one-time package

ICHRA / CHOICE plan document and SPD
Required employee notice
Eligibility, allowance and class schedule
Employer implementation sign-off
Broker consent and role acknowledgment
Coverage-substantiation and monthly-attestation templates
Employee shopping launch instructions
Premium-reimbursement spreadsheet and checklist

Start the documents package →

ONGOING SUPPORT

Instant ICHRA Administration

From $12 PEPM + applicable setup/annual fee

Everything in the documents package
Eligibility and coverage-verification workflow
Reimbursement-request support and tracking
Employer reporting and monthly reconciliation
Employee shopping and enrollment coordination
Renewal reminders and annual document review
Defined employer and administrator responsibilities
Final scope confirmed before launch

Request Instant ICHRA administration →

Documents-first responsibility map

Know exactly who does what.

The ICHRA Shop provides

Plan-design intake and timing review
The purchased documents, forms and sign-offs
Implementation checklist and marketplace launch
Employee access to shop, enroll and pay in our marketplace
General setup explanation and identified next steps

Self-administering employer retains

Eligibility and notice delivery records
Proof-of-coverage and monthly substantiation
Approval, reimbursement and payroll coordination
Privacy, record retention, reporting and plan operations

Included working tool: Premium Reimbursement Tracker

A simple monthly template for allowances, proof, approvals and reimbursements. Register first so we can deliver the document and help you use it correctly. Do not place claims, diagnoses or medical details in the file.

Who it is for

Built for the case that cannot wait for a long implementation cycle.

Good candidates

Small employers launching benefits, brokers rescuing a late-moving case, simple eligibility structures, employers comfortable self-administering, and groups that want to shop first and add technology only when needed.

Needs a fuller review

ALE affordability exposure, complex permitted classes, multi-state timing, midyear group-plan transitions, protected-health-data workflows, or employers that need premium payment, claims administration or substantial employee support.

Start the timing review →Talk with an ICHRA consultant

General information and document preparation are not legal or tax advice. Eligibility, enrollment opportunity, notice timing, carrier availability and final scope are confirmed for each employer before launch.