Open enrollment under an Individual Coverage Health Reimbursement Arrangement (ICHRA) isn’t the same as traditional group enrollment—and that’s exactly where many employers and brokers feel the difference. Instead of one set of plan options for everyone, each employee can choose from dozens of carriers and coverage levels. It’s a powerful model for flexibility and choice, but it can also introduce new questions and moving parts along the way.
At Zorro, we’re here to help simplify what sometimes feels like a complex process as much as possible. By blending smart automation with hands-on support, our team can help make ICHRA open enrollment (OE) more intuitive and empowering for everyone involved.
For HR teams and administrators: Automation that still feels human
For many HR teams, managing open enrollment under an ICHRA can feel unfamiliar at first. There are new processes, new terminology, and new systems to navigate, all while ensuring employees feel supported. That’s why having the right partner matters.
The Zorro platform (and our support team!) was designed to guide you through every step, giving you confidence that nothing slips through the cracks. From setup to submissions, we help make ICHRA administration as seamless and stress-free as possible.
Here’s how we make it easier for administrative teams:
- Dedicated support: You’ll be paired with an Implementation Specialist who guides you through ICHRA setup, plan management, and reporting (and have easy access to plenty of live and recorded video trainings).
- Real-time tracking: You can monitor enrollment progress directly in the platform with full visibility into each employee’s status.
- Automated enrollment and carrier submissions: Our team handles application submissions and premium payment setup, minimizing administrative burden and ensuring nothing falls through the cracks.
- Real-time compliance and alerts: From ACA affordability to required documentation and reporting data, our platform automates compliance guardrails and flags anything that needs attention.
The result? A faster, more transparent process that keeps you compliant and confident.
For employees: Support that fits real life
With an ICHRA, employees get something they’ve rarely experienced in benefits before: true choice. That freedom is powerful, but it can also feel like a lot to navigate, especially for first-time shoppers. That’s where Zorro’s combination of AI-powered guidance and human support comes in.
Our decision support engine helps employees find plans that fit their budgets, anticipated care needs, doctors, prescriptions, and more—often narrowing 50+ plan options to a few top matches (while still allowing full access to all available plans, for those who want to explore).
Meanwhile, our in-app chatbot is available 24/7 to answer questions in plain English, like:
- “Which plans cover my prescriptions?”
- “How does my employer’s allowance impact my out-of-pocket costs?”
- “What’s the lowest-cost plan with my doctors in-network?”
Employees can even dig deeper, asking about specific providers, comparing plan features, or understanding how certain conditions might impact coverage. And if they need extra help, Zorro’s Enrollment Experts are just a message, email, or phone call away.
A smarter, smoother open enrollment for everyone
ICHRA open enrollment doesn’t have to be overwhelming. With Zorro, administrative teams gain a partner that simplifies the complex, while employees get a virtual benefits guide that speaks their language—with real humans ready when they need them. Because when people understand their options and feel supported along the way, ICHRA open enrollment transforms from potentially overwhelming to a new opportunity to make confident, informed choices.
