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What is ICHRA?
ICHRA stands for Individual Coverage Health Reimbursement Arrangement. Instead of a traditional group plan, your employer provides you with a monthly stipend (allowance) that you use to purchase healthcare coverage on the individual market.
Key Benefits of ICHRA
More Choice: Access to multiple carriers and provider networks (typically 50-150 different plans)
Flexibility: Choose coverage that suits your specific medical needs
Individual Ownership: You own your health insurance plan (the "I" in ICHRA stands for individual)
How ICHRA Differs from Traditional Group Plans
With traditional group plans, you're limited to one carrier with perhaps one to three plan options. With ICHRA, you can select from all available carriers in your area, giving you significantly more flexibility.
Important Things to Know
Plan Availability
Insurance carriers decide which markets they serve, often down to the county level
Plan availability varies by location
Neither your employer nor Zorro determines which carriers are available
We simply show you all options in your area
HSA Plans
HSA plans are available within ICHRA
The health plan itself does not include an HSA account
You would need to open an HSA account separately (Zorro does not currently maintain HSAs)
Pricing Factors
Individual plan pricing depends primarily on your age:
Younger individuals typically have lower premiums
Premiums increase with age
Your medical history does not affect pricing
Carriers cannot charge more for pre-existing conditions
Understanding Metal Tiers
Plans are organized by metal tiers:
Bronze:
Lowest monthly premiums
Highest deductibles
Ideal for young, healthy individuals who rarely need medical care
Silver:
Balanced premiums and deductibles
Middle-ground coverage
Gold & Platinum:
Highest premiums
Lowest or no deductibles
Minimal out-of-pocket expenses
How Your Allowance Works
Key Points About Your Allowance
Your employer provides an allowance to cover premium costs
The allowance is for monthly premiums only (not deductibles or copayments)
Based on factors including age and location
The allowance doesn't limit your plan choices
Using Your Allowance
If plan costs more than allowance: The difference is deducted from your paycheck pre-tax
If plan costs less than allowance: You can choose the less expensive plan
Your monthly allowance amount is displayed when you log into Zorro
Check the documents section for the allocation model based on age
Getting Started with Zorro
Account Activation
You'll receive an activation email from Zorro
You'll also receive a welcome email with:
Enrollment window dates
Helpful links
Important: Activate your account even if you plan to waive coverage (this creates a record of your decision)
Plan Selection Process
Step 1: Log In and View Your Allowance
When you log in, you'll immediately see your monthly allowance amount.
Step 2: Access Support if Needed
Click "View instructions" to access enrollment specialist scheduling
Schedule 30-minute consultations with licensed insurance specialists
Step 3: Begin Shopping
Click "Get Started" to begin shopping for plans.
Step 4: Complete Your Profile
Pre-populated information includes: name, date of birth, and address
You'll need to add:
Social Security number
Citizenship status
Marital status
Spouse/dependent information (if applicable)
Step 5: Select Your Healthcare Usage Level
Choose your expected healthcare usage to help our AI identify suitable plans:
Essential: Annual physical check-up and routine care
Moderate: Occasional visits and minor procedures
Above Average: Regular specialist visits
Extensive: Chronic conditions requiring frequent care
Note: These selections guide recommendations but don't limit your actual healthcare usage.
Step 6: Enter Your Healthcare Preferences
Add your current doctors (the system geo-locates based on your address)
Enter medications (include both brand names and generics)
Select up to three factors most important to you:
Keeping current doctors
Ensuring medication coverage
Specialist access without referrals
Low deductible
Low out-of-pocket costs
Arrange preferences by order of importance
Viewing and Selecting Plans
Plan Information Displayed
Each plan shows:
Monthly premium
Your cost after employer allowance
Deductible
Out-of-pocket maximum
Doctor/medication coverage status
Viewing Options
Best Match: Highlights the one plan optimized for your priorities
All-In Cost Plans: Sorts all plans by total expected costs
All Plans: Complete list of every available plan
Filtering Options
By carrier
By metal tier
By network type
HSA eligible plans
AI Assistant
An AI assistant is available throughout the process to answer questions.
Confirming Your Selection
Select the radio button on your chosen plan
Click "Confirm" to continue
Review your plan summary including:
Who is covered
Monthly contribution
Other plan details
Click "Submit"
Enter your full name and agree to the medical elections consent
Important: Always verify with your doctors that they accept your chosen plan, even if the platform shows they're covered. Call your doctor's office directly rather than the insurance carrier.
After Selection: Enrollment Process
Selecting a plan doesn't automatically enroll you. Here's what happens next:
The enrollment team submits your application to the carrier
In 95% of cases, we handle everything
Occasionally, carriers require additional steps (like e-signatures)
We'll email you if additional action is needed
Understanding Zorro Pay
What is Zorro Pay?
Since carriers expect individuals (not employers) to pay for plans, Zorro creates an electronic debit card in your name.
Key Features
No credit check required
Will not impact your credit
Your employer funds the full premium amount
Your portion (if any) is deducted from payroll pre-tax
Cards are locked to specific carriers and amounts
Cannot be used for other purchases
Important: Use your personal card for medical expenses like copayments, not the Zorro Pay card.
Autopay Setup
We typically set up autopay automatically
Check your portal for confirmation:
Green checkmarks = all set
Red X = action needed (check email for next steps)
Never use personal credit cards for premium payments
If manual setup is needed, use only your Zorro Pay card
Your Responsibilities as Plan Owner
Set up your carrier account to monitor coverage
Verify autopay is working
Review monthly statements
Report any qualifying life events for coverage changes
Pay attention to Zorro emails requiring action
Medicare Information
If You're 65 or Older
You must enroll in Medicare
You cannot use individual marketplace plans
You can use your employer allowance for Medicare premiums through reimbursement
Medicare Payment Process
Medicare carriers do not accept Zorro Pay
Pay out-of-pocket with your personal card
You'll be reimbursed up to your employer's allowance automatically through paycheck
Medicare on Zorro Platform
If eligible for Medicare, you'll see a special screen when selecting plans
Already have Medicare: Report your plans and upload premium documentation
First-time enrollment: Click "I need help selecting a Medicare plan" to connect with specialists
Remember to upload your premium documentation to receive reimbursement through payroll.
Need Help?
Contact Zorro support at: [email protected]
Remember to:
Activate your account
Verify doctor networks
Use Zorro Pay for premiums
We're here to help ensure you find the coverage that best fits your needs!