Start your ICHRA or CHOICE Arrangement in 10 minutes or less
Your budget. Your workforce. Your CHOICE.

What do you contribute today—and what would you like to budget next year?

Enter your current health and benefits investment. We will translate it into a per-employee budget and show the starting point for an ICHRA feasibility analysis.

10 minutes to begin your employer setup
Independent vendor and market selection
Real people for launch and enrollment

Build your employer budget

Use annual or monthly amounts. This is a planning estimate—not a quote.

Current annual budget $564,000
Current total PEPM $940
Target total PEPM $1,000
Your target adds $60 PEPM for health, accounts, voluntary benefits or support.
Use This Budget to Start → Get Full Feasibility Analysis
Start an ICHRA

Three decisions. About 10 minutes.

You do not need to select software first. Give us the employer basics, set the contribution direction and choose how much support your team needs.

1

Tell us about the employer

Company, effective date, employee count, states and current plan.

  • No census required to begin
  • Secure data request follows
  • Broker can remain involved
2

Choose a budget direction

Use the calculator above or ask us to model employee, spouse and dependent contributions.

  • Flat or age-banded allowances
  • Family and affordability review
  • Group, ICHRA or hybrid comparison
3

Select service and launch support

Start directly, request full feasibility, or add meetings and one-to-one enrollment.

  • Administrator and payment selection
  • Documents and notices
  • Enrollment and ongoing support
Start My Employer Setup → Have Janet Help Me Start Request Secure Upload
Human enrollment support

Technology helps employees shop. People help them choose.

Our licensed team supports the moments software cannot—physicians, prescriptions, family coverage, enrollment questions and the anxiety of changing benefits.

Group meetings

Live virtual or onsite education explaining the employer contribution, shopping process and employee decisions.

Personal enrollment

Private appointments to compare premiums, networks, prescriptions, family needs and enrollment choices.

Virtual support

Scheduled remote help for distributed employees, multiple states and extended enrollment windows.

Ongoing service

Support after launch for eligibility changes, payment questions, new hires and annual renewal planning.

Clear ways to buy

Choose the level of help you need.

Platform administration and professional services are separate so employers can compare the real cost and choose the right support model.

DIRECT START

CHOICE Essentials

$12 PEPM starting administrator cost

For groups ready to establish an ICHRA with a streamlined digital experience through Choice Benefits. Administrator/platform fees are separate from The ICHRA Shop consulting and annual program-management fees.

  • Employer setup workflow
  • Core ICHRA administration
  • Employee shopping access
  • Standard launch support
Start at $12 PEPM
MOST SMALL GROUPS

Enrollment Support

From $3,000

Add human service for a successful employee rollout.

  • Planning and employer kickoff
  • Virtual group meeting
  • Personal enrollment appointments
  • Launch and post-enrollment support
Ask for a Proposal
LARGE EMPLOYERS

Full-Service Implementation

$20K–$100K

Scaled consulting and enrollment for larger, multi-state or operationally complex employers.

  • Feasibility and contribution design
  • Vendor RFP and implementation
  • Communications and live meetings
  • Personal enrollment and ongoing support
Build a Custom Scope
Independent third-party vendor analysis

We score the vendor after we choose the strategy.

The funding recommendation comes first. We then take the employer’s contribution design, permitted classes, geography, payment model and service requirements to the administrator market. The result is a documented comparison of best-fit options—not a recommendation shaped around one platform.

1

Lock the funding recommendation

Confirm funding, contributions, classes, reimbursement method and the required employee experience.

2

Issue the vendor comparison

Evaluate qualified third parties against the employer’s geography, workforce, carrier access and operating requirements.

3

Score economics and execution

Compare total fees, compensation, payments, payroll, compliance, reporting, implementation and employee support.

4

Disclose, recommend and implement

Present the strongest fits, disclose material relationships and tradeoffs, and coordinate the selected platform through enrollment.

Total PEPM + setup cost Broker compensation + AOR terms Premium payment + reimbursement Payroll + eligibility integrations Carrier + market access Enrollment + employee support Compliance + reporting Implementation + service model Security + data controls HSA + ancillary coordination
Start Third-Party Vendor Analysis Review Payment Models
Premium payment matters

An ICHRA is only easy when premiums get paid correctly.

The right payment solution reduces employee reimbursement friction, helps substantiate eligible coverage and gives employers visibility into funding and reconciliation.

Ambient ICHRA Payments

Pre-funded premium administration designed to support election, substantiation, premium requests and employer funding workflows.

Ask for Ambient Pricing

ECHO Premium Payment Manager

Payment automation focused on employer funding, carrier payments, documentation, reconciliation and payment-status visibility.

Ask for ECHO Pricing
Why Payments Can Make or Break ICHRA →