New Zorro Data Reveals Most Brokers Expect Surge in ICHRA Adoption Over Next Five Years

Increased Employer Demand Driven by Cost Pressures, Desire for More Employee Choice and Need for Greater Health Plan Flexibility

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New York, N.Y. – June 25, 2025 – Zorro (the “Company”), a next-generation benefits administration platform using advanced technology and big data to transform how America’s workers plan, pay and save for healthcare, today released findings from its 2025 Broker ICHRA Survey, revealing that nearly all brokers surveyed (93 percent) anticipate that Individual Coverage Health Reimbursement Arrangement (“ICHRA”) adoption will expand over the next five years, regardless of whether they currently sell ICHRA to employers. 

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Based on responses from over 100 qualified group benefits brokers across the U.S. surveyed in the first quarter of 2025, Zorro’s survey also highlights the top three benefits that employers see when they turn to ICHRA. An overwhelming 86.2 percent of brokers surveyed say that employers value ICHRA for cost control, while 66.2 percent cite greater employee choice as a top benefit. Additionally, nearly half (49.2 percent) of brokers emphasize the importance of greater health plan flexibility.

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Other key findings include:

• The word about ICHRA is getting around: Broker familiarity and engagement with ICHRA are growing. Nearly 80 percent of brokers surveyed are familiar with ICHRA as a benefits strategy, and over half of respondents (55.4 percent) are already selling ICHRA plans.
• Belief in the quality of individual plans is growing: Nearly 60 percent of brokers surveyed agree that the quality of plans available on the public exchange has improved since ICHRA’s launch, likely driven by a combination of increased competition on the marketplace, significant carrier investment and record-breaking enrollment.
• ICHRA is not just for small businesses: ICHRA adoption is gaining traction among mid- and large-sized employers. Nearly 20 percent of brokers surveyed report that their average ICHRA clients fall within the 51 to 100 employee range, and a growing portion (over 10 percent) have sold ICHRA to employers with 101 to over 500 employees.
• ICHRA can help to solve the health benefits cost crisis – but only with the right tech: Even with increased ICHRA awareness, navigating implementation successfully requires technology specifically built for a complex benefits landscape. As such, brokers prioritize strong customer service (64.6 percent) and a user-friendly experience (47.7 percent) when selecting an ICHRA administration partner, underscoring the importance of technologies that are intuitive to use and streamline the enrollment and management process for clients.

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“Numbers don’t lie – the data clearly shows that ICHRA’s momentum is growing rapidly among brokers, employers and employees,” said Guy Ezekiel, CEO and Co-Founder of Zorro. “With ICHRA, brokers are increasingly well-positioned to help employers build benefits that truly resonate with their employees. For employers, it helps them regain control of skyrocketing premiums and better serve an evolving workforce. And for employees, they can now be active participants in their own healthcare, choosing plans that match their unique needs while seizing control of their benefits.”

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Mr. Ezekiel continued, “ICHRA is the 401(k) moment for healthcare – shifting responsibility away from employers and giving employees control over their own health and wealth decisions. To support this, brokers, employers and employees need platforms that are not only technically sophisticated but also human-centered – with tools that empower brokers to provide plan value, give employers budgetary control without plan compromise and give employees meaningful choice when it comes to a core benefit. That’s why Zorro built a technology specifically with all three stakeholders in mind.”

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About Zorro

Zorro is an AI-powered insurtech platform leveraging ICHRA (Individual Coverage Health Reimbursement Arrangements) to deliver affordable, flexible and personalized healthcare plans for employers and their employees. Zorro's pioneering technology helps brokers to sell, employers to buy and employees to engage with their healthcare benefits. Its advanced platform delivers sophisticated price quoting, streamlined employer management and comprehensive employee decision support to simplify administration, deliver budget predictability and inform important healthcare decisions.

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Media Contacts

KCSA Strategic Communications

Michaela Fawcett / Christina Baviello

mfawcett@kcsa.com / cbaviello@kcsa.com 

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