Icarus is the AI-powered ICHRA platform that gives employers full cost control and employees real choice. You set the budget. They choose the plan that fits their life.
See how much your company could save →Built for employers and brokers who want something better
Healthcare costs increase at a rate of 26% every 5 years. The current average annual cost is $8,951 per employee (single) and $25,572 (family). Employers face unpredictable renewals, limited plan options, and rising premiums they can't control.
Source: Kaiser Family FoundationWith ICHRA, the employer sets a fixed monthly benefit amount. Employees choose their own coverage from the individual marketplace. Reimbursements are tax-advantaged. No more unpredictable renewals, no more one-size-fits-all plans.
10-35% average employer savings| Traditional Group | Icarus ICHRA | |
|---|---|---|
| Cost | $9,000+ per employee, annual increases | You choose your budget ✓ |
| Volatility | High — unpredictable renewals | Low — fixed monthly contribution ✓ |
| Plan Choice | Limited — 1-3 carrier options | Full — entire marketplace ✓ |
| Control | Low — carrier dictates terms | Complete — you set the rules ✓ |
| Administration | Manual, paper-heavy, time-consuming | AI-automated, real-time ✓ |
| Employee Satisfaction | One plan for everyone | Personalized to each employee ✓ |
From plan setup to claims reimbursement, Icarus handles the complexity so you don't have to.
Employees browse real marketplace plans with live pricing from Healthcare.gov. Compare side-by-side with metal tier badges and cost breakdowns.
Our AI analyzes prescriptions, conditions, and demographics to score each plan for fit. Employees see which plans actually cover what they need.
Licensed agents guide employees through enrollment via scheduled calls. No one navigates the marketplace alone.
Claims submitted, reviewed, and reimbursed via ACH. AI reviews receipts. Humans approve. Money moves.
IRS Section 105, IRC 213(d), ACA affordability, ERISA awareness. Built-in compliance checks at every step.
One view for billing, enrollment status, claims, carrier payments, and compliance. Know exactly where every dollar goes.
No implementation fees. No six-month onboarding. Set up your ICHRA plan and invite employees today.
Set employee classes, allowance tiers, and plan year dates with our guided setup wizard.
Import your roster via CSV or add individually. Employees get a personalized portal instantly.
AI matches plans to their needs. Licensed agents help them enroll. Coverage starts on schedule.
We pay carriers, process claims, handle compliance, and send notices. You just fund the account.
ICHRA typically saves employers 10-35% compared to traditional group health plans. Adjust the numbers to match your organization.
* Estimates based on industry averages. Actual savings depend on your current plan design, employee demographics, and marketplace availability in your area.
Icarus uses AI where it matters most — not to replace humans, but to make them faster and more accurate.
Every claim reviewed by AI. Every decision made by a person. Full audit trail for compliance.
Potential employer savings vs. group health
Plan setup time with guided wizard
IRS, ACA, and ICHRA compliant
AI claims review and monitoring
Control costs while giving employees real choice in their healthcare.
ICHRA lets you set a defined contribution budget while employees choose their own individual coverage. No more one-size-fits-all group plans.
We work with brokers as strategic partners to deliver modern, flexible health benefit solutions built around ICHRA and the individual market.
Our platform simplifies the transition to defined-contribution health benefits while aggressively supporting your value as the trusted advisor. We handle the operational complexity so you can stay focused on relationships, strategy, and growth.
Our model is built to expand your opportunity — not compress it. As employers shift toward defined contribution strategies, we enable you to participate in that growth with a structure that rewards long-term client success and retention.
We succeed when you succeed. That's why we structure our partnerships to be competitive, sustainable, and aligned with broker economics — so you can grow your business while delivering meaningful value to your clients.
Choose the level of involvement that fits your business.
Stay involved in strategy and client guidance. We handle the platform and operations behind the scenes.
Leverage our platform for enrollment, support, and compliance execution. You stay the trusted advisor.
Scale your book without adding admin burden. We manage the day-to-day so you can focus on growth.
Whether you're an employer looking to save or a broker ready to grow your ICHRA book, we'd love to hear from you.