EMPLOYER SETUP

Your team’s coverage starts here

Great benefits.
A confident start.

Build your Instant ICHRA around your business. Add your company and broker information, set your contributions, and upload your census. We’ll guide you through each step.

Employee experience ↗

OPTIONAL · GET A QUOTE FIRST

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.

Employees on census3

Draft invitations3

Invitations sent0

Estimated admin / month$36

START INSTANT CHOICE

Tell us about your company.

Complete your company information to get started. Broker name and company website are optional.

Employer legal nameEmployer Tax ID (EIN)Nine-digit employer EIN. Broker or agency name (optional)Broker Annual Fee ($) (optional)Paid directly by the employer to the broker. Not included in Instant CHOICE checkout.Payment arrangementCompany contact nameCompany contact emailCompany phoneEmployer stateCompany industryBusiness street addressCityZIP codeCompany website

Choose how you’d like to contribute to medical coverage, then decide whether to help cover spouses and children. You can review the full strategy before continuing.

Proposed coverage start dateReimbursement type Add JANET Shopping · $5 per eligible employee / month + $500 one-time setupLoad your employer benefits contribution strategy into JANET shopping so employees can compare options with their available employer contribution. $5 per eligible employee / month, plus an additional $500 one-time JANET contribution setup. Separate from base platform setup, Turbo payments, premiums and benefit contributions. Your team reviews the contribution configuration before activation.Plan yearTotal proposed monthly medical budget · optional

1. Choose your employee contribution

Contribution approach

Monthly amount per employee ($)

The same proposed amount for each eligible employee in the applicable class.

2. Add dependent contributions

How would you like to fund dependents?

Additional contribution details · optional

Proposed funding only. Affordability, permitted classes, age variation, dependent eligibility and final dollar allowances require review before launch. Platform administration fees remain separate.

Build your benefits menu · Before payment

Choose your benefits.

Choose a benefit, then enter your proposed monthly contribution. Enter $0 for an employee-paid option.

Choose your platform package

Medical ICHRA is included. Premium Plus includes the full additional benefits menu. Turbo payments are optional at $5 more per eligible employee / month; employees still make their own elections. Premiums, employer contributions and HSA deposits are separate from platform fees.

HSA / Your separate savings contribution

Help employees save for healthcare.

Choose a proposed HSA deposit for eligible employees. This is a savings-account contribution, not an insurance premium.

Health Savings Account (HSA)

Help eligible employees build savings for qualified healthcare expenses.

Employer HSA contribution / eligible employee / monthSeparate HSA deposit planning. Eligibility, ICHRA compatibility and annual contribution limits must be confirmed.

Only HSA-eligible employees can receive contributions. Confirm qualifying coverage, HSA-compatible ICHRA design, other coverage, annual limits and applicable contribution rules. Proposed amounts are not deposits or eligibility approvals.

Dental

Routine care, preventive visits and individual dental coverage.

Employer contribution / employee / monthFunding method and tax treatment confirmed during setup.

Vision

Eye exams, glasses and contact lens coverage.

Employer contribution / employee / monthFunding method and tax treatment confirmed during setup.

Direct Primary Care (DPC)

A primary-care membership; not a substitute for medical insurance.

Employer contribution / employee / monthFunding method and tax treatment confirmed during setup.

Pet insurance

Optional coverage for employees’ pets.

Employer contribution / employee / monthSeparate taxable contribution planning; payroll review required.

Cancer insurance

Supplemental individual coverage; not a substitute for comprehensive medical insurance.

Proposed employer contribution / employee / month$0 means employee-paid. Carrier acceptance, policy structure, ERISA and tax treatment require review.

Accident insurance

Supplemental individual coverage; not a substitute for comprehensive medical insurance.

Proposed employer contribution / employee / month$0 means employee-paid. Carrier acceptance, policy structure, ERISA and tax treatment require review.

Hospital indemnity

Supplemental individual coverage; not a substitute for comprehensive medical insurance.

Proposed employer contribution / employee / month$0 means employee-paid. Carrier acceptance, policy structure, ERISA and tax treatment require review.

Critical illness insurance

Supplemental individual coverage; not a substitute for comprehensive medical insurance.

Proposed employer contribution / employee / month$0 means employee-paid. Carrier acceptance, policy structure, ERISA and tax treatment require review.

Supplemental coverage funding is separate from the medical ICHRA. Employer-paid or pre-tax premiums can cause cash claim payments to be taxable. An employer-funded arrangement may have ERISA obligations. Select a proposed amount now; the funding and tax structure must be confirmed before launch.

More individual benefits

Choose employee-paid benefits or propose an employer contribution for review. Funding and tax treatment depend on the product.

Individual life insuranceProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Individual disability insuranceProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Virtual careProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Mental health supportProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Identity theft protectionProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Legal servicesProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Travel medical insuranceProposed contribution / employee / month$0 = employee-paid, post-tax. Employer funding requires product and tax review.

Menu selections are requests for setup, not insurance elections or confirmed product availability. Individual policy eligibility, underwriting, state availability, exclusions and pricing vary. Post-tax payroll deductions, if offered, require a separate employee authorization and payroll connection; direct employee billing may be used.

Medical ICHRA contributions, optional benefit contributions and platform fees are separate. Pet funding is planned as taxable compensation. HSA funding is a separate account contribution, not a post-tax insurance premium or ICHRA reimbursement. Employer and employee HSA contributions share the applicable annual limit; eligibility, prorating and any catch-up contribution require review. Dental, vision and DPC arrangements require confirmation of funding, tax treatment and HSA compatibility before activation. No additional benefit is automatically paid through Echo.

02 / Add your census

Add your employee census.

Download Excel census ↓CSV for direct import ↓

One employee per row. All the details in one place. Download the Excel workbook for a guided template, or use the CSV for direct import. Save the Employees sheet as CSV UTF-8 before importing. Do not include SSNs, bank details or medical history.

First nameLast nameEmployee emailEmployee ID

Employee demographics & coverage details

Date of birthHome ZIPHome stateHire dateEmployment typeEmployee classAnnual pay · optional ($)Current carrier · optionalCurrent monthly premium · optional ($)Current employer contribution · optional ($)Coverage tier · optionalEligibility start date · optionalSpouse birth date · optionalChild 1 birth date · optionalChild 2 birth date · optionalChild 3 birth date · optional

Choose census CSV

Employee	Email	Allowance	Invitation

06 / Payment

A clear price for your group.

Initial administration pricing uses your benefits-eligible employee count and selected model.

Administration only. Insurance premiums and optional services are separate. The eligible-employee basis for this initial estimate is shown below; final ongoing billing terms require confirmation.

OPTIONAL · HANDS-ON SUPPORT

Need a little help bringing it all together?

Add our live setup and support service for guidance with contribution strategy, employer setup, enrollment preparation and your launch.

Need an agent? The ICHRA Shop can act as your benefits agent as part of this consulting scope, including licensed enrollment assistance and carrier coordination. State, carrier and appointment requirements are confirmed before enrollment. See consulting & support →

Benefits-eligible employees3

Monthly service rate$30

Months12

Annual setup & live support fee$2,500$2,500 annual minimum applies.

Add live setup & supportOptional. Added separately to the initial service estimate. Covers a 12-month service period; renewal terms are confirmed separately.

Annual fee = the greater of $2,500 or eligible employees × $30 × 12. For example, 40 × $30 × 12 = $14,400. Platform administration, insurance premiums, employer benefit contributions and Broker Annual Fees are separate.

Guided launch opens after verified payment.

04 / Welcome to your ICHRA platform

Your platform. Your guided launch.

Confirm employer details, eligibility and allowancesReview plan documents, notices and enrollment datesComplete the Echo ACH form, submit it in your Echo portal and confirm acceptanceReview the census and preview each employee invitationComplete launch review with The ICHRA Shop

0 of 5 setup preparation tasks checked. Invitations remain disabled.

ECHO PAYMENT SETUP

Complete your ACH authorization.

Download the original Echo form, complete every required field, then sign and date it. Keep all three pages together.

Business: legal account-holder name, business address, phone, email and nine-digit tax ID.
Bank: depository name, nine-digit routing number, account number and checking or savings selection. Review the account type even if a selection is already shown.
Authorized signer: full printed name, email, job title, date and required signature. Review the authorization terms before signing.
Submit through Echo: sign in to your authorized Echo portal and upload the completed form through your document-submission workflow. If you do not see that option, contact your Echo representative or The ICHRA Shop.

Download Echo ACH form ↓Open Echo portal to submit ↗

Fillable PDF · ACH Authority Form 2025-2C · 3 pages. Download and open in a PDF application if your browser does not support the fields.

The signed form contains bank and tax information. Submit it through the authorized Echo workflow. This public demo does not accept completed ACH forms or confirm Echo approval.

The form itself also lists Echo’s secure-recommended email and postal return instructions. Follow the submission process confirmed for your employer account. Form submission, Echo acceptance and first premium payment are separate steps.

How to launch employees

Approve the final census and each employee’s eligibility.
Confirm payment and your employer launch approval.
Send personal invitations through the connected invitation service.
Employees activate their account, review their allowance, and choose coverage.
Track carrier acceptance and first premium confirmation separately.

Preview the employer invitation before launch. It explains the contribution, next steps and how to get personal enrollment help.

SenderThe ICHRA Shop on behalf of your employer

DeliveryNot connected

Employer payment verificationNot verified

Secure employee invitation linksNot connected

Live invitations require verified employer payment and launch approval. Each employee must receive their own expiring invitation and verify their identity. The public employee demo is not an authenticated enrollment account.

JANET

Your employer setup guide

Start with your group, review the census, then prepare invitations. Employees will see only their own approved benefit information.

What can my team see?

Employer reporting should show invitation and enrollment progress. Private medical preferences, medications and advisor conversations belong in the employee’s secure experience.

Your launch checklist

Register and select your model

Choose reimbursement or Payments.

Review census, allowances and optional benefits

Confirm eligibility and plan details.

Complete employer payment

Fees are based on enrolled employees.

Approve launch and invite

Secure invitations open each employee’s account.

Continue to the existing group registration and payment process. This demo does not mark your payment as verified.

Keep onboarding moving.

The live dashboard should track invited, opened, accepted, plan selected, carrier confirmed and payment confirmed separately.

Meet with our team ↗

Great benefits.
A confident start.

Quote it. Confirm it. Carry it into setup.

Tell us about your company.

Tell us about your workforce.

Current coverage (optional)

1. Choose your employee contribution

2. Add dependent contributions

Choose your benefits.

Help employees save for healthcare.

More individual benefits

Add your employee census.

A clear price for your group.

Save your details. We’ll put them to work.

Need a little help bringing it all together?

Your Instant CHOICE administration

Your platform. Your guided launch.

Complete your ACH authorization.

How to launch employees

Great benefits.A confident start.

Quote it. Confirm it. Carry it into setup.

Tell us about your company.

Tell us about your workforce.

Current coverage (optional)

1. Choose your employee contribution

2. Add dependent contributions

Choose your benefits.

Help employees save for healthcare.

More individual benefits

Add your employee census.

A clear price for your group.

Save your details. We’ll put them to work.

Need a little help bringing it all together?

Your Instant CHOICE administration

Your platform. Your guided launch.

Complete your ACH authorization.

How to launch employees

Great benefits.
A confident start.