ICHRA Client Guide

There are three types of ICHRA employees, those currently enrolled in coverage and need to assign a broker, those who are not enrolled in coverage but prefer to self-submit their application, and those will need help with the entire process.

Watch Video

Updates

Employees who currently have an active insurance plan and only need to add an agent for ICHRA compliance or for assistance when needed

PDF Guide

Required Privacy Consent Forms

and Secure Document Submission

Use the Required Privacy Consent Form, the form to Update your information and the Secure Document Upload Link so you can send requested documents to me while protecting your information.

Please click the button below to fill out the required consent form. This is required by the federal goverment and by some insurance companies for everyone who is assisted by an agent or broker with enrollments in health insurance.

Consent Form

Required

Quote and Enroll

Use the link below to see plans and prices in all states. If your state uses the Federal Marketplace healthcare.gov for enrollments you can also use this link to complete your enrollment.

See Plans and Prices

5 Easy Steps to SecuringYour ICHRA Plan Reimbursement

1. Fill out the Required Privacy Consent Form here. This if required if you use the Marketplace to purchase your plan.

2. Shop for and buy a health insurance plan.

3. Get a copy of your invoice (If applicable)

4. Fill out the TASC Reimbursement Form (If applicable)

5. Upload your invoice and forms using the Submit Documents option above.

CLICK HERE for instructions on how to fill out the TASC Reimbursement Form

ICHRA RENEWALS PROCESS "Watch Video"

Update your information here. (If you are completing the application yourself without help and your plan is on exchange skip to step 2 if your plan is off exchange skip to step 3.)
Complete the required consent form here.
Look out for your reenrollment letter. It will have your new price for January 1. You can also find it in your online account.
If you like the price and your doctors and medications are still in network simply pay the new premium before December 15th to activate your plan. Skip to step 11.
Want to change your plan? Shop for new Plans and Prices using the links above that correspond with your state. For accounts using the Marketplace to change plans, submit the 2027 application in your account starting November 1st. Choose your new plan. Skip to #9 and #12. All others continue with step #6
Send me the name of the company and the name of the plan selected. You will be sent an enrollment link. You will need it later.
Cancel your 2026 plan after December 2nd but no later than December 5th. Verify the cancellation.
Once the cancellation is verified use the enrollment link sent to you to make your final plan selection. Select and enroll in your new plan by December 10th.
Pay your premium no later than December 15th to activate your plan.
Submit a TASC Reimbursement form to me for the new year "if applicable"
Submit a copy of your first invoice to me with the updated amount using the Submit Documents option above.
You are done.

All ICHRA Plans submitted after January 1, 2024 as well as all renewals will be submitted off exchange (unless otherwise instructed) If you are currently using the Marketplace and your reimbursement covers the cost of the plan for you and or your family 100% it will not cause problems but everyone is encouraged to switch to off exchange. Going forward all new hires will apply off exchange. The Health Insurance Marketplace will only be used to see all available plans and compare prices in one place. Further instructions will be given to you to complete your enrollment.

This applies in all states except the District of Columbia (DC)

CLICK HERE Health Insurance Company

Contact information list

Health Insurance Companies

Anthem

CareFirst

Cigna

Kaiser VA

Kaiser MD

Oscar (No Off Exchange Options)

Sentara Health

United Healthcare

Wellpoint

*Currently only CareFirst and Kaiser provide a direct enrollment link. All other off exchange company applications will need to be started with broker assistance.

If you have any questions please leave me a text or voice message 24 hours at (571) 636-9366