One platform. Nationwide ICHRA administration. Local choice at scale

Support remote and multi-state employees with access to individual health plan options available where they live - all managed through one connected Lirvion platform

Tax savings calculator

Estimated Annual Savings *

$6,500

This is an estimate of potential annual tax savings from using ICHRA instead of raising salaries to cover a group health plan. Actual savings may vary based on your specific workforce and contribution levels.

Why this number?

* Estimate only. Based on a 12% employer payroll tax rate, a 22% employee income tax rate, and Lirvion's standard platform fee.

Number of Employees50 employees
Monthly Allowance$500/mo

A closer look at national group plan spend

Multi-state employers often pay more for a one-size-fits-all national network. A localized ICHRA model may give employees access to individual health plan options in their local areas - while helping employers manage allowances, enrollment support, and reporting in one place.

Savings demonstrated on the chart by using Multi-State ICHRA

National reach. 
Local markets, one model

Give multi-state teams a benefits model that adapts to where employees live. With Lirvion, employees can compare individual health plan options in their local markets, while employers manage allowances, enrollment support, and reporting in one place.

  • Plan comparison by employee location
  • Provider and cost visibility before enrollment
  • Employer-controlled allowances and budget structure
National reach. 
Local markets, one model

Market-aware allowances.
 Built for multi-state teams

Premiums vary by market. Lirvion helps employers model ICHRA allowances across employee classes, work locations, age, and dependent factors - with clear budget visibility before enrollment begins.

  • Market - level allowance modeling
  • Class, age, and dependent configuration
  • Budget clarity before enrollment starts
Market-aware allowances.

Built for multi-state teams
Different States. Different Markets. One CHOICE.

A distributed workforce shouldn't force employers back into a one-size-fits-all benefits model.

CHOICE Arrangement (ICHRA) gives employers a way to define the benefits strategy while employees choose individual health coverage available where they live. Lirvion brings the administration together across locations, allowances, enrollment workflows, and reporting.

One employer strategy. Local employee choice. Nationwide administration.

Explore CHOICE Arrangement

Built for the operating reality of ICHRA

ICHRA is not just enrollment. It requires coordinated setup, allowance design, employee communication, broker visibility, payment tracking, reporting, and compliance records. Lirvion brings those workflows, into one connected administration layer.

Multi-state setup

Configure employee classes, work locations, and allowance structures across distributed teams

Enrollment workflow visibility

Support three enrollment paths based on plan and employer setup: Quick Enroll for off-exchange enrollment in Lirvion, Auto Enroll with a licensed agent and employee authorization, and Self Enroll through the Marketplace.

Allowance and reporting control

Track allowance allocation, utilization, enrollment status, and employer-level reporting in one place

Multi-state setup

Configure employee classes, work locations, and allowance structures across distributed teams

Enrollment workflow visibility

Support three enrollment paths based on plan and employer setup: Quick Enroll for off-exchange enrollment in Lirvion, Auto Enroll with a licensed agent and employee authorization, and Self Enroll through the Marketplace.

Allowance and reporting control

Track allowance allocation, utilization, enrollment status, and employer-level reporting in one place

Model your ICHRA strategy before you launch

Run a workforce-level analysis across employee locations, allowance structures, and available individual plan options - with clear budget visibility before enrollment begins.