ICHRA Broker Guide

Lirvion helps brokers support employer ICHRA (CHOICE Arrangement) programs with structured setup, enrollment support, broker visibility, and ongoing administration workflows. Win, retain, and grow employer ICHRA clients.

Stay visible in every account
Support enrollment
Manage renewals
Grow your book of business

Why ICHRA is a broker opportunity

ICHRA works best when a broker diagnoses fit, designs the strategy carefully, and guides the employer through implementation - not when it is treated as a generic pitch.

Cost control

Help employers plan for more predictable healthcare spending.

Multi-state teams

Support employees wherever they work.

Renewal alternatives

Offer a smarter alternative to traditional renewals.

Strategic advisory role

Strengthen long-term client relationships.

The ICHRA broker workflow

  1. 01

    Identify Opportunity

    Recognize when ICHRA is the right solution for your client.

  2. 02

    Design Strategy

    Build the right allowance and benefits approach.

  3. 03

    Present ICHRA

    Explain the value with confidence and clarity.

  4. 04

    Launch

    Set up the program and prepare for enrollment.

  5. 05

    Support Enrollment

    Help employees choose and activate coverage.

  6. 06

    Renew

    Review results and optimize for the next plan year.

What changes for brokers

With a group plan, the broker compares carriers, contributions, and renewal terms. With ICHRA, the broker helps design more of the program itself: which employees are eligible, which classes apply, what allowance strategy makes sense, whether a group plan remains in place for any segment, how affordability rules apply, and how reimbursements are verified.

Help employers build benefits strategies.
Design solutions that fit workforce needs, budgets, and long-term business goals.

Support employees beyond enrollment.
Provide clear guidance before, during, and after employees choose coverage.

Manage compliance proactively.
Review affordability, renewals, notices, and documentation throughout the year.

Build long-term client partnerships.
Deliver ongoing strategic value instead of focusing only on annual renewals.

Enrollment support

The employer understood the pitch. The broker understood the strategy. The employee wants to know one thing: what do I actually do?

Some employees can shop independently. Some need a guided path. Some need hands-on help getting from offer to active coverage.

Lirvion supports multiple enrollment paths — Self Enroll, Quick Enroll, and Auto Enroll — so employees can move through the process in the way that fits their situation and the employer's setup.

Some enrollment situations may still require broker, employer, or support-team involvement to complete coverage correctly.

Broker visibility

ICHRA shouldn’t mean losing visibility into your accounts. Lirvion helps brokers stay informed with clear visibility into enrollment status, allowance-related records, compliance documentation, and renewals — so you remain a trusted advisor long after implementation.

The administration moves to the platform.
The relationship doesn't.

From one dashboard

Monitor enrollment status across clients

View allowance related status and records

Review reporting and compliance documentation

Stay prepared for renewals and client reviews

When ICHRA is worth considering

Feature
Cost Pressure
Workforce
Enrollment
Budget Planning
Benefits Strategy
Good Fit
Looking to control and predict benefits spend with defined monthly allowances
Employees are in multiple states or working remotely
Low participation in current group plan or limited employee engagement
Need predictable, defined monthly contributions per employee
Want to offer choice and flexibility while maintaining a competitive benefit
Not Ideal Fit
Relying on tax credits to make individual coverage affordable for most employees
Entire workforce is in one state with strong group plan options
High participation and satisfaction with existing group coverage
Prefer a single total premium with fixed annual cost
Prefer one standardized plan for the entire workforce

Broker partner models

Every brokerage operates differently. Lirvion supports multiple partnership models, allowing brokers to engage at the level that best fits their business and clients.

Referral Partner

Introduce new clients and let Lirvion manage the operational workflow.

Active Broker Partner

Remain the trusted advisor while Lirvion powers the administration.

Strategic Partner

Build a long-term ICHRA partnership with shared strategy and implementation support.

Common ICHRA Broker Pitfalls

Successful ICHRA programs depend on thoughtful planning, employee guidance, and ongoing administration—not just selecting the right plan.

Common Pitfall
Recommending ICHRA before confirming fit
Manual allowance design
Poor employee enrollment experience
Limited broker visibility
Manual allowance utilization tracking
Reactive renewal management
Broker Advantage with
Employer qualification workflow
Allowance planning tools
Guided enrollment support
Broker activity dashboard
Automatic allowance utilization reporting
Continuous renewal management

Build your ICHRA book with Lirvion

Give employees more choice while gaining greater control over healthcare costs. Lirvion helps you design, launch, and manage ICHRA with confidence.

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