Features
Built for the CHOICE Arrangement (ICHRA) affordability conversation
From a raw census to a branded proposal: plan lookup, affordability testing, allowance recommendations, and cost comparison in one place.
Census upload & validation
Start from the spreadsheet your prospect already has. Problems are flagged before any numbers are calculated.
Upload a census spreadsheet
Bring the employee census as a spreadsheet: age or date of birth, home ZIP code and county, coverage tier, wage, and employee class.
Column mapping
Match your file's columns to the fields the analysis needs, so you don't have to reformat every client's census.
Validation before calculation
Missing ages, unknown ZIP codes, and out-of-range wages are flagged for review so a bad row doesn't quietly skew the results.
ZIP codes that cross county lines
When a ZIP code spans more than one county, you pick the right county so each employee is matched to the correct rating area.
Plan & rate lookup from CMS data
Each employee's benchmark plan comes from official CMS Marketplace data, not a hand-built spreadsheet.
Our data sourcesLowest-cost silver plan per employee
For every employee, the tool finds the lowest-cost silver plan available where they live, priced for their age and rating area.
Built on CMS Marketplace public use files
Plans, service areas, and premiums come from the CMS Exchange Public Use Files and are refreshed when CMS publishes updates for a plan year.
Plan-year aware
Analyze the current plan year, or next year's as soon as CMS publishes its data, so open-enrollment conversations use the right rates.
HealthCare.gov states
Coverage starts with states that use the federally facilitated marketplace (HealthCare.gov).
State-based exchange states Coming soon
Support for states that run their own exchange, such as Minnesota (MNsure).
Affordability engine with IRS safe harbors
Run the CHOICE Arrangement (ICHRA) affordability test for every employee, using the safe harbor that fits the employer.
The affordability test explainedEmployee-by-employee affordability test
Compares each employee's self-only lowest-cost silver premium, minus the employer's allowance, against the IRS affordability percentage: 9.96% for 2026 and 10.22% for 2027.
Income safe harbors
Choose the rate of pay, Form W-2, or federal poverty line safe harbor, so the test uses information the employer actually has.
Location safe harbor
Optionally test affordability using the employee's primary worksite instead of their home address, as the ICHRA rules allow.
Clear pass / fail results
See who passes, who falls short, and by how much, with the inputs behind each result.
Allowance optimizer by employee class
Find the lowest monthly allowance that keeps the offer affordable, class by class.
Minimum affordable allowance per class
Recommends the minimum monthly allowance for each employee class that keeps the offer affordable for the employees in it.
Employee classes
Model the classes the ICHRA rules permit, such as full-time vs. part-time, salaried vs. hourly, or employees in different rating areas.
Age and family-size variation
Model allowances that vary within a class by age or number of dependents, within the limits the rules allow.
What-if adjustments
Adjust an allowance and immediately see the effect on affordability and total employer cost.
Group-plan cost comparison
Show the employer what the CHOICE Arrangement costs next to what they pay today.
Side-by-side employer cost
Enter the employer's current group-plan premiums and contributions and compare annual employer cost with the recommended allowances.
By class and in total
Break the comparison down by employee class, or roll it up for the whole company.
Assumptions on the page
The assumptions behind the numbers are listed in the proposal, so the employer can see how the figures were produced.
White-label proposals
A polished, broker-branded proposal your client can read without a walkthrough.
Your branding
Your agency's logo, colors, and contact details on every proposal.
PDF proposals
A ready-to-send PDF that summarizes the affordability results, recommended allowances, and cost comparison.
Editable PowerPoint
Export to PowerPoint (.pptx) and tailor the story for each meeting.
Shareable link
Give the employer a link to view the proposal online instead of emailing attachments.
Agency & team management
Keep your agency's clients, censuses, and proposals organized in one place.
Agency workspace
One place for your agency's employer prospects, analyses, and proposals.
Agency-wide branding
Set your logo and colors once and use them on every proposal.
Team members & roles Coming soon
Invite producers and account managers, and control who can see which clients.
Security & privacy
Census data is sensitive. Our practices are designed to treat it that way.
Privacy PolicyEncrypted
Census data is encrypted in transit and at rest.
Deleted automatically
Uploaded census data is deleted automatically after a retention period.
Never sold
We don't sell census data or use it for advertising.
Only what the analysis needs
The analysis doesn't need employee names or Social Security numbers, so you can leave them out of the census.
See it with one of your prospects
Request early access, or ask for a demo using a sample census.