The ICHRA administrator powering hassle-free health benefits
zizzl health is an Individual Coverage Health Reimbursement Arrangement (ICHRA) health insurance solution that helps employers simplify benefits management, control costs, and support employee plan choice while keeping brokers at the center of the process.
Employers set the budget.
Predictable contributions replace volatile group renewals.
Employees choose individual coverage.
Personalized plan choice instead of one-size-fits-all group options.
Brokers stay at the center of the relationship
A familiar advisory role, supported by a modern ICHRA administrator.
What the data says about ICHRA
As adoption grows nationwide, ICHRA shows strong satisfaction and long-term commitment among those who lead with it.
73% of employees
feel equally or more satisfied with ICHRA compared to traditional group coverage1
81% of organizations
offering ICHRA for four years or more report that their satisfaction is higher than with traditional coverage1
39% of employers
currently considering ICHRA indicated they are highly likely to offer it in the future1
12026 ICHRA Report, zizzl health + Deft Research.
Why zizzl health?
Broker-first philosophy
We never go direct to employers. Broker relationships remain protected.
Easy-to-use tech
Enrollment, reimbursements, reporting, and payroll connectivity built to reduce friction.
Support structure that scales
Dedicated team, enrollment support, and tools that make ICHRA manageable from day one.
Built for trust and collaboration
We believe the strongest partnerships are built through trust, collaboration, and long-term thinking.
Real-world savings with zizzl health
A 75-employee non-profit facing 35–40% annual rate increases under a traditional group plan adopted the zizzl health ICHRA solution to stabilize costs.
The results:
- $554,918 saved in year one
- 2% average rate increase over the past three years
- 100+ plan options across 7+ carriers
Feels like a group plan. Works like ICHRA.
What stays the same
Annual enrollment, clear timelines, and a familiar benefits rhythm.
What changes
Predictable employer contributions instead of renewal surprises.
What improves
More choice for employees, without added complexity.
How ICHRA health insurance stacks up
Different funding models shift cost, risk, and control in different ways. The model shapes how predictable costs truly are.
While ICHRA is technically a self-funded arrangement, it operates differently from traditional self-funded group plans.
Fully Insured
- Carrier sets premiums
- Employers react to annual rate increases
- Limited plan flexibility within one group structure
Traditional Self-Funded
- Employer assumes claims risk
- Costs fluctuate based on utilization
- Administrative oversight increases with plan complexity
ICHRA
- Employers set defined contribution budgets
- Employees choose individual coverage
- No employer claims risk exposure
zizzl insights
Get straight to the trends, cost research, adoption data, regulatory insights, and broker strategy shaping how employers and brokers use ICHRA health insurance today.
Add ICHRA to your benefits strategy
An ICHRA administrator can help evaluate fit and model potential savings through a free, no-obligation cost analysis.
Contact zizzl health 