Spoiler: Yes—and it’s about to get even better.
If you’ve ever tried to choose a health insurance plan on your own, you know it’s not exactly… intuitive.
Premiums, deductibles, networks, formularies—it’s a lot, even when choosing from a handful of employer-sponsored options, and can lead to a lot of questions for HR teams. And when companies move to something like an ICHRA, where employees are offered a significantly wider range of choices across multiple states and divisions, the increased number of choices can lead to even more necessary oversight as employees select coverage.
At least—without the right technology.
The quick cut
- Choosing a health plan is complicated, but AI can simplify it by providing personalized, data-driven guidance
- Zorro’s platform helps employees compare and select plans based on real preferences and care needs
- About 75% of users enrolling through Zorro do so without needing live support, relieving HR and benefits teams from heavy hand-holding
- Zorro’s new features include a built-in AI chatbot for real-time answers and plan insights
- AI doesn’t replace human support; it enhances it, giving employees confidence and clarity when it matters most
Why AI matters in health insurance
Let’s face it: most people don’t feel confident shopping for health insurance. They might pick the cheapest plan, the one they had last year, or the one their friend chose without realizing it may not actually meet their needs. This lack of confidence often turns into a flood of support tickets, phone calls, and little sleep during open enrollment (OE), no matter the size of the organization.
AI (well, the right AI) changes that. It helps employees:
- Prioritize what’s important
- Understand what they’re buying
- Compare plans based on their unique circumstances
- Get answers in real time, without digging through PDFs or waiting on hold
It’s not about replacing human support (though ICHRA vendors like Zorro offer that, too!). It’s about ensuring employees have tools that make complex decisions simpler and faster while giving admin teams and broker partners fewer headaches during enrollment.
How Zorro’s AI helps guide the employee shopping experience
Our platform guides employees step-by-step through the plan selection process by asking a few simple but important questions:
- What level of care do you anticipate this year?
- What are your current doctors, facilities, or medications?
- What’s most important to you: low monthly premiums, low out-of-pocket costs, broad networks, or something else?
Once we have that context, our AI engine ranks plans based on hundreds of data points, age, location, and family needs, and employee healthcare priorities, then surfaces personalized recommendations.
Employees can still view every available option, but our AI makes it easy to focus on the plans that actually fit. In fact, about 75% of employees enrolling through Zorro do so without needing live support, which means less administrative lift for admin teams.
A smarter way to shop: New platform updates to make OE 2025 even easier
This open enrollment season, we’re taking that support a step further. In addition to our current guided selection flow, we’re rolling out a fully conversational AI chatbot built directly into the plan selection experience. Employees will be able to:
- Ask questions about coverage terms, like “What’s the difference between a deductible and an out-of-pocket max?” or “Which plan has Dr. Brown in network and the lowest out-of-pocket-costs?”
- Get clarification on specific plan details: summary of benefits, cost-sharing, provider networks, and more
- Filter, sort, and compare plans side-by-side, then launch the chatbot for deeper insights
- Make sure employees are 100% confident in their choice before they enroll
This means each employee can get on-demand, expert-level guidance without overwhelming admin or broker teams.
In conclusion
When it comes to health insurance, AI can’t make the decision for your team, but it can make the decision far less overwhelming. With Zorro, employees get the clarity they need, and employers get the operational relief they’ve been asking for.
Simply put, you and your team don’t need to be experts to make a smart choice; you just need the right tools. And with Zorro, those tools are getting smarter every day.
