ICHRA payments • funding • substantiation • reconciliation
The overlooked ICHRA decision

Who pays every employee’s premium—every month?

A strong contribution strategy can still fail if premium funding, substantiation and reconciliation are clumsy. We help employers choose a payment workflow before enrollment begins.

Five questions every employer should ask

  1. Does the employer pre-fund one consolidated amount?
  2. Who sends each carrier payment and tracks failures?
  3. How is individual coverage substantiated?
  4. What happens when premiums change midyear?
  5. Can HR see payment status and reconcile the account?
Payments are part of the employee experience—not a back-office afterthought.
Payment options

Compare the workflow, not just the fee.

Pricing and availability are quoted for each employer. The ICHRA Shop can evaluate payment technology alongside the chosen administrator and carrier-access model.

Pre-funded model

Ambient

Ambient supports employer-funded ICHRA payment administration, employee elections, coverage substantiation and premium-amount requests.

  • Employer funding workflow
  • Election and substantiation support
  • Premium payment administration
  • Broker and administrator use cases
Ask Janet for Ambient Pricing
Payment automation

ECHO Premium Payment Manager

ECHO focuses on automating premium funding and carrier payment while improving documentation, reconciliation and visibility.

  • Consolidated employer funding
  • Carrier payment automation
  • Payment-status visibility
  • Reporting and reconciliation
Ask Janet for ECHO Pricing
Our recommendation process

Administration, payments and enrollment must work together.

We review the full operating model: how data enters the system, how employer funds move, how premiums reach carriers, how failed payments are corrected and how employees get help.

Automation

Reduce reimbursement forms, manual payments and recurring HR work.

Consolidation

Turn many individual premiums into a manageable employer funding process.

Visibility

Give the employer clear reporting on payments, exceptions and reconciliation.

Support

Give employees a human path when a carrier or payment issue threatens coverage.

Ask for employer pricing

We will compare the payment options with your ICHRA quote.

Every request goes directly to Janet O’Neill.