With ICHRA, enrollment is not usually automatic, and after electing a plan in Zorro there is an additional step of sending an application with your details to your selected carrier. Once you submit an election, the Enrollment Team is notified and submits the application on your behalf. The Enrollment Team generates a Zorro Pay card to pay your premium and sets up the initial payment and ongoing payments for you. Please note that your enrollment eligibility depends on your employer’s plan rules. Some plans can begin as soon as the next month, while others may not be eligible until 60 or 90 days after your start date. In addition, carriers generally require applications to be submitted before the month your coverage begins. For example, if your coverage starts on June 1, your application must be submitted before May 30.
Usually, additional action is not needed from you. You can track your status and when it changes from ‘Election submitted’ to ‘Application sent’ to ‘Enrollment confirmed’.
However, sometimes specific carriers do not allow the Enrollment Team to perform certain actions, or require additional input from you as the applicant. If this is the case, you'll see specific notifications in the Zorro platform and will get Zorro emails indicating that action is required from you. Please read more here about the specific requests and notifications.