Solutions for Brokers
The future of insurance is here.
Are you ready?
- Are your prospects looking for a budget-friendly way to offer quality health insurance?
- Are your clients receiving year-over-year cost increases?
- Do you have clients asking about providing more options to employees?
Then zizzl health is the solution for you! Offering you a full ICHRA solution for clients that have experienced multiple years of double-digit cost increases or those looking to offer more choice with less hassle to their employees.
Why Partner with zizzl health?
Because together we are better.
|A unique premium payment process that makes it feel like a group plan to the employer and employees.
|Live call center enrollment support for employees.
|Intuitive tools to help employees pick a plan with ease.
|Guardian® product administration for a full ben admin experience with standard commissions and SPC.
Powerfuls tools, first-class service
zizzl health gives your agency all the tools needed to generate leads and sell ICHRA paired with the support of a top-tier team of insurance and technology experts.
Easily offer your clients a full suite of benefits
Powerful new HRAs simplify the process of providing health insurance. Adding icing to the cake, zizzl health also offers a full line of Guardian® group insurance products.
Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. GUARDIAN® and the GUARDIAN G® Logo are registered service marks of The Guardian Life Insurance Company of America and are used with express permission. 2022-138576 (Exp. 5/24)
zizzl health is the most effective tool we've used to generate leads, win broker of record and retain long term clients. Our book of business has doubled in less than 2 years.
Principal, zizzl Agency
Since zizzl Agency started marketing their ICHRA expertise, their book of business has grown over 100%.
34% of that growth came from taking over traditional group health plan clients when savings didn't justify the move to an ICHRA. However, by merely offering a solution other local agents could not provide, ICHRA opened the door to fresh conversations.
- 20% Traditional group plan clients that faced unaffordable premium increases & converted to zizzl health.
- 100% 2021 zizzl health clients that renewed with zizzl health ICHRA in 2022.
- 100% 2021 zizzl health clients renewing with no increase to the employer contribution in 2022
Two Ways to Engage
|You are the IFP agent of record
|You service IFP enrolled members
|zizzl health provides IFP agent of record in all states
|zizzl health services enrolled IFP members in all states
|You receive IFP agent of record compensation
|You receive ancillary product commissions
|You charge & collect a consulting fee
|You are protected as the consultant of record
Employers of any size may offer an ICHRA to any type of worker including full time and part time employees as well as independent contractors.
Employers don’t select the insurance company or the plan(s) when using an ICHRA for health insurance benefits. They simply determine how much they want to contribute towards the benefit and employees select their own insurance company and plan.
Plan rates are community rated and not subject to underwriting, claims experience, or health conditions. If an employee applies for a plan, the insurance company is obligated to sell them the plan at the published rate.
Yes, you are still the broker of record.
We believe that zizzl health delivers the best ICHRA experience and value to your clients. We don’t know why you would, but you are not prohibited from selling other ICHRA solutions.
Yes. zizzl health will work with you to help determine if the contribution strategy is meeting ACA affordability requirement. All plans available to employees through zizzl health meet the minimum essential coverage requirement.
ICHRA plans are considered ACA compliant as all qualified plans provide minimum essential coverage and employer contributions can be structured to be affordable. COBRA also applies for employers subject to ERISA law. However, state continuation does not apply.
ICHRA’s are compatible with both health care flexible spending accounts and health saving accounts. Employers can offer one or both in conjunction with an ICHRA.
Employers may pay insurance companies on behalf of each employee and payroll deduct the employee contribution if their premium exceeds the employer contribution. This method has the advantage of a familiar “group plan” feel to employees. Alternatively, employers may require employees to pay the entire premium and submit a reimbursement request for the employer contribution. This method creates cash flow and inconvenience issues for some employees.
Employers of any size may offer an ICHRA to any type of worker,including full time and part time employees, as well as independent contractors.
Individual health insurance rates are at parity or lower than small group rates in 19+ states and this trend continues to grow.