Question 1

What is ICHRA?

Accepted Answer

ICHRA (Individual Coverage Health Reimbursement Arrangement) is a health benefit model where employers provide a fixed, tax-free monthly allowance for employees to purchase their own individual health insurance plans. Unlike traditional group plans, ICHRA gives employees choice and employers cost predictability.

Question 2

How does ICHRA Masters work for insurance agents?

Accepted Answer

ICHRA Masters provides licensed insurance agents with a complete platform to quote, model, and enroll ICHRAs in real-time — without outsourcing to third parties. Agents keep 100% of their commissions and Agent of Record (AOR), maintaining full control over their book of business.

Question 3

Do I need to sign over my Agent of Record (AOR) to use ICHRA Masters?

Accepted Answer

No. ICHRA Masters never requires agents to sign over their AOR. You retain 100% ownership of your book of business, your commissions, and your client relationships. This is a core principle of the platform.

Question 4

How much does ICHRA Masters cost?

Accepted Answer

ICHRA Masters is free to get started. There is no upfront cost to begin quoting and enrolling ICHRAs on the platform. Schedule a strategy call to learn about the full pricing model.

Question 5

What is the difference between ICHRA and traditional group health insurance?

Accepted Answer

Traditional group insurance uses a defined benefit model where the employer selects one plan for everyone. ICHRA uses a defined contribution model where employers set a fixed monthly allowance and employees choose their own individual plans. ICHRA offers more flexibility, cost control, and personalization.

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AOR. Clients. Commissions. AOR.

Why Agents Are Choosing ICHRA Masters

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