NEW · JANET INDIVIDUAL QUOTES
Your next health plan starts with a conversation.
Ask JANET. Compare individual plans. Explore potential Marketplace savings. Choose a plan, give permission, and let our licensed team call to help complete your application.
Ask JANET a question →Get individual health quotes →Type your question or choose an example. 2027 quote availability varies by location.
INSTANT CHOICE · POWERED BY THE ICHRA SHOPBuild a better
MAKE IT YOURSMore than medical.
Build a better
benefits stack.
Start with simple ICHRA reimbursement. Build your benefits stack with Premium Plus, add Turbo payments, or explore the CHOICE Benefits platform at $30 per eligible employee / month.
Build my benefits stack →Starting at $12 per benefits-eligible employee / month
Start with the calculator. Choose your experience, add your team, then review and pay at checkout.
Compare reimbursement, Premium Plus & Turbo ↓More than medical.
More for your team.
Build a benefits package around what your employees value. Start with HSA savings, then add everyday coverage and support.
Put HSA savings first.Add a separate employer contribution for eligible employees.Explore HSA contributions →Dental + visionHelp with everyday care.Everyday healthExplore Direct Primary Care.Life + protectionMore financial peace of mind.WellbeingSupport beyond medical.
Choose a benefit in the calculator to set your contribution. Optional benefits use Premium Plus; Turbo payments are optional. HSA eligibility and contribution limits require review.
Quote it. Confirm it. Carry it into setup.
Compare live individual-plan rates, review your employer contributions and carry the confirmed census into your private launch workspace. Or continue with the existing employer setup below.
Start your Quote →Payment verification, employer document signatures, employee details and any ECHO setup must be completed before launch.
More ways to cover a family.
One family policy is one option. Help employees compare separate eligible plans when family members need different doctors, prescriptions, or levels of coverage.
Compare family and split-plan costs +
Household split-plan planning is included in the employee experience. Employer rules, eligible expenses and each policy’s enrollment and payment requirements must be confirmed before activation. The calculator does not enroll family members or allocate employer funds.
Add your info.
Invite your team. Let them shop.
We help prepare your documents and notices from your saved details. Payment confirmation and launch review happen before enrollment opens.
Need a different ICHRA administrator?
Compare your options in our vendor matrix and bring your preferred administrator into your signup.
Compare administrators & start your request →Your benefits stack. Your level of support.
Choose the right level of support.
ICHRA benefits. More choice.
01 · Instant CHOICEShop. Pay. Upload. Reimburse.
Starting at $12.00 per benefits-eligible employee / month
Employees shop our marketplace, purchase qualifying coverage, pay their carrier and upload coverage documents and premium receipts for review and payroll reimbursement.
- Employees purchase coverage and pay their carrier.
- Coverage documentation and premium receipts support review.
- Your team reviews requests and confirms available allowances.
- Approved amounts move into your payroll reimbursement process.
- Track requests, review history and reimbursement status.
Employer setup is available. Employee document intake requires launch approval; contact our team to confirm availability for your group.
ICHRA benefits. More choice.
02 · Premium Plus + optional TurboBuild your stack. Add payments.
$15.00 per benefits-eligible employee / month
Premium Plus provides self administration and the full benefits menu for $15 per eligible employee / month. Add Turbo payments for $5 more, for $20 total. Setup fees, insurance premiums, benefit contributions and optional guided support are separate. Service scope and payment-provider setup are confirmed before activation.
Explore the employer workspace →
Explore the employee experience →
Explore qualifying plans, compare coverage and get personal enrollment support.
- Employer setup, allowance design and document preparation.
- Launch secure employee invitations after activation.
- Employee marketplace shopping and enrollment support.
- View payment transactions and track payment status once connected.
- Premium-payment coordination with selected providers.
Payment-provider connections, carrier enrollment and launch review must be completed before activation.
Payment is required for both paths.
Monthly administration is based on benefits-eligible employees, regardless of enrollment. Easy reimbursement is $12; Premium Plus is $15; Premium Plus with Turbo payments is $20 per eligible employee / month. Setup fees are quoted separately before activation. Our team verifies payment before launch. Insurance premiums and optional guided support are separate.
What happens after payment?Build the plan.
Build the plan.
Prepare your employees.
Continue contribution design, documents, enrollment preparation and agency review. Payment starts the setup process; it does not activate coverage or authorize a carrier payment.
Already have a plan?
Bring your current worksheet so employee eligibility and allowances can be reviewed before your next plan year. Prior-year balances and claims are not carried forward automatically.
Only need documents?
The separate $999 documents package remains available through the document store.
Build your benefits budget →Bringing Instant CHOICE to your clients?
Broker’s Backpack is $199/month for quote and proposal support and access to offer Instant CHOICE. Active subscription and agency verification required.