Anyone can sell an ICHRA. Almost no one can run one.
A quoting flow is the easy part, that's why everyone has one. The hard part is the Tuesday afternoon a member's plan goes sideways and your client calls you, not the app, and the app's makers have never had a carrier's direct line in their life.
Kyra is a full-stack ICHRA administrator built to work behind brokers. We hold the carrier relationships, we employ the people who service them, and we build the software that runs both. You keep the client. We take the operations.
The demo never coversthe part that costsyou the client
Every platform demos well. Nobody loses a client during a demo.
You lose the client in month seven. A member's card on file expires, the premium draft fails, the carrier moves to terminate, and by the time anyone notices, a family is uninsured and your client's HR director is calling you.
What happens next comes down to whether the person picking it up can act, or has to ask someone else to. Plenty of platforms run their insurance work through an intermediary: when something breaks they open a ticket with a company you have never heard of, and you wait in somebody else's queue.
We hold the carrier relationships ourselves. The person working your client's problem calls that carrier directly, and has done it before.
The platform
One member record,from plan match to claim fixed
Enrollment, money movement, HRIS sync, plan matching, advocacy, ancillary and Medicare all run off one record, held by one company.
Plan matching
Your client's people land on the right plan the first time
We read the doctors they see, the drugs they take and the care they expect, then bring back the plan that covers it. Not a list to browse.
Fewer angry calls in February about a doctor who turned out to be off-network.
Plan match
M. Rivera · Marion County, IN
Dr. Sarah Chen · Primary care
In network
Metformin 500mg · Daily
Covered, tier 1
Riverside Pediatrics · 2 kids
In network
Ambetter Gold HMO
Covers 3 of 3 requirements · $412/mo after allowance
Quoting and proposals
Put ICHRA side by side with what they pay now
Model allowances by class and see the employer cost against their current renewal, on real premiums for the counties their people live in.
You walk into the renewal meeting with an answer rather than a range.
Allowance model
2026 renewal · draft
Full-time · Union
64 people
$650
Full-time · Non-union
51 people
$600
Part-time
27 people
$400
Current plan, annual
$3,135,336
This model, annual
$0
HRIS and payroll
Nobody has to email you a census
A new hire, a termination or a class change flows straight from the client's HRIS into enrollment and funding. No spreadsheets, no re-keying.
You stop being the middleman for routine administration.
HRIS sync
Gusto · connected
New hire · Ana Torres
Just now
Enrollment invite sent
Termination · Jake Mills
2h ago
Coverage ends May 31
Class change · Rina Patel
Yesterday
Allowance updated to $600
Payroll run · May
3 days ago
142 allowances funded
Every change handled automatically · no census emailed
Nothing here gets referred out
Compliance
Affordability tested per employee and per rating area, plus notices, plan documents and 1095 reporting off the same record.
Affordability test · M. Rivera
9.2%
of W-2 wages
IRS limit · 9.96%
Monthly client reports
One per client, every month, sent to you. Enrollment health, open issues, what we resolved and how fast.
Acme Corp — October report
Oct 1
Questions handled
38
Resolved without HR
36
Benefits Hub
One interface for whatever else the client wants alongside major medical, starting with dental and vision.
Medical
Gold HMO
Dental
Elected
Vision
Elected
Life
Waived
Medicare in house
Handled by our own team rather than referred out to someone you have never met.
Mom turns 65 in March — what do we do about her coverage?
Our own Medicare team takes it from here — no referral, same record.
We're not right forevery group
A five-life, single-state group where you can comfortably hold AOR yourself is not our business, and we would rather say so now than waste a call. Our end of the market is where servicing gets genuinely hard: multi-state groups, employees living in states you are not appointed in, groups where one bad month costs you the account.
Most brokers start us on something small, a group they like but would survive losing. That is a sensible way to buy and we will not pretend otherwise.
But the one we actually want is the group you would never hand to anyone else.
Start us on something small.Then give us the hard one.
Send us your renewalFrequentlyAskedQuestions
Kyra does, on the individual policies. The reason is mechanical: a carrier will not discuss a member's policy with anyone who is not the agent of record, so without it we could not correct a bill, reinstate a policy, or file an appeal on your client's behalf.
You remain the primary relationship with the employer, and you keep the strategy, the plan design conversation and the renewal. What that looks like in practice, including how you are paid and what happens at renewal, is worth a proper conversation rather than a bullet list. Ask us on the call and we will not be vague about it.
Only if you pick the wrong platform. The complexity is real, but it should belong to whoever you partner with. If enrollment, member education or carrier escalations are landing on your team, that is a choice your vendor made, not a property of ICHRA.
That is the case we are built for. Direct carrier relationships across national and regional plans, including the small carriers where members get orphaned everywhere else. Knowing UnitedHealthcare and untangling a problem at a regional Blues plan are different skills.
We run Medicare in house rather than referring it out, so a Medicare-eligible employee gets the same standard of guidance and advocacy as everyone else, from people who do this every day.
Compensation is per member placed rather than per employee. The numbers are committed in the partnership agreement before you bring us a client, and we model them against your actual book first so you are not agreeing to anything in the abstract.
And compensation is the smaller half of the answer. The bigger half is employees better looked after than they were on the group plan, and an employer who stops getting complaints. That is what makes the renewal easy, and over a few years it is worth more than any commission schedule.
Fair question, and worth asking every platform. Much of this category runs enrollment through shared third-party infrastructure, so an outage there is a category-wide event. Ours runs on infrastructure we operate.