The complete ICHRA lifecycle

One platform.
Zero gaps.

From the first proposal to the last compliance notice, Ben gives brokers and the employers they serve a single system to win, enroll, pay, and protect every ICHRA client — without juggling four to six disconnected tools.

Built for the brokers leading the ICHRA transition
The platform

Win. Enroll. Pay. Protect.

The full ICHRA lifecycle on one platform — built end-to-end, not stitched together. Every stage flows cleanly into the next, and the broker stays in control through all of it.

Step 01 · Win

Proposals that tell the story.

Turn a quote request into a closed client.

  • AI-powered proposal builder
  • Census import & analysis
  • Employer-ready presentations
  • Competitive benchmarking
Step 02 · Enroll

Guided plan selection.

Every employee finishes enrollment with confidence.

  • Digital employee enrollment
  • Smart plan recommendations
  • Multi-language support
  • Real-time tracking dashboard
Step 03 · Pay

Seamless processing.

Contributions, reimbursements, and billing — handled.

  • Automated contribution management
  • Integrated payment processing
  • Reimbursement workflow
  • Employer billing dashboard
Step 04 · Protect

Continuous compliance.

ICHRA rules, monitored and enforced — automatically.

  • ACA & IRS monitoring
  • Automated notice generation
  • Audit-ready reporting
  • Real-time regulatory updates
Broker-first by design

We feed you the engine. You drive the growth.

Brokers are the trusted advisors between employers and their benefits — and brokers will drive the ICHRA transition. Bypassing the broker channel creates friction. Empowering it creates scale.

Ben is built around how benefits actually get sold today, and how the channel will scale tomorrow: co-branded experiences, transparent economics, and tools designed to close the next deal — not just service the last one.

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Market opportunity
$30B+
Total addressable market as the benefits stack shifts to ICHRA.
Covered lives in scope
84M
Employees eligible for individual-coverage HRAs.
Adoption horizon
7–10 yrs
Expected timeline for ICHRA to reach category dominance.
Stack consolidation
4–6 → 1
Replaces the four to six disconnected tools brokers use today.
Why Ben

Built for ICHRA. Built to last.

Most benefits tech was retrofitted from the group-plan world. Ben wasn't. Every workflow, every integration, every data model starts from how individual coverage actually works.

End-to-end, not stitched

One platform. One source of truth. One team to call when something needs attention. No more swivel-chair workflows between four vendors.

ICHRA-native

Built from the ground up for individual coverage — proposal logic, enrollment flows, reimbursement rules, and compliance monitoring designed for how ICHRA actually works.

Broker-first economics

Co-branded experiences, transparent commission structure, and a partnership model designed to make the broker's value obvious — to the employer and to the employee.

Get in touch

Win the client. Enroll every employee. Stay compliant. Always.

Built to make brokers unstoppable. Brokers, employers, and partners — we'd love to hear from you.