What should I look for in ICHRA software?

Automatic coverage substantiation, strong employee enrollment guidance, payroll integration, transparent PEPM pricing, and solid recordkeeping for audits.

Can software pick the right plan design for me?

Software executes the plan; it generally won’t advise on design. That’s where a broker adds value — choosing classes and allowances that fit your business.

Commercial

ICHRA software & administration platforms

ICHRA software automates the parts of an ICHRA that would otherwise be a compliance headache — plan documents, employee enrollment, coverage verification, and tax-free reimbursements. Here’s what good ICHRA software does and how to pick it.

Key facts

Core job: Automate compliance + reimbursements
Must-have: Substantiation of coverage
Nice-to-have: Payroll + benefits integrations
Pricing model: Per-employee-per-month

What ICHRA software handles

Generates compliant plan documents and required employee notices.
Walks employees through enrolling in an individual plan.
Verifies (substantiates) that employees have qualifying coverage.
Calculates and processes tax-free reimbursements each month.
Keeps records for audit and reporting.

Features that actually matter

Most platforms can move money. The differences show up in employee experience and compliance rigor. Prioritize software that guides employees to the right plan, integrates with your payroll, and handles substantiation automatically so you’re not chasing documents.

Software vs full-service vs broker-supported

Pure software is cheapest but leaves plan selection and employee questions to you. Full-service costs more but offloads the work. A broker-supported setup pairs software with a human advisor — often the best balance for a small business doing this for the first time.

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Frequently asked questions

Not legally, but software dramatically reduces the compliance and reimbursement workload. Most employers use a platform or a broker-supported setup rather than running it manually.

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