Step-by-Step: Managing ICHRA Quotes and Enrollments on One Platform

See how simple it is to quote, model, and enroll an ICHRA when you have the right software infrastructure.

Step 1: Employer Contribution Strategy

The process begins not with a carrier, but with a budget. The employer decides what they want to spend. Using the ICHRA Masters platform, brokers can instantly model different monthly allowance scenarios to see how far those dollars will stretch for employees based on local market rates.

Step 2: Class Structure Design

Employees are grouped into eligible classes (full-time, part-time, geographic state, etc.). This allows the broker to design a highly customized strategy where contributions are distributed precisely where the employer wants them.

Step 3: Quoting & Plan Modeling

Plans are modeled based on those contributions and employee needs. This is where control matters most, because whoever runs the quote shapes the outcome. With our software, the broker remains in the driver's seat.

Step 4: TPA & Payment Integration

A trusted TPA handles the backend administration while a payment solution ensures everything is compliant and processed pre-tax. These pieces support the broker's process; they do not own it.

Step 5: Enrollment

Employees log in, view their employer allowance, and select plans that fit their needs. The broker stays actively involved for support, renewals, and adjustments.