In benefits today, there’s a race underway: the race to deliver better payments and smoother experiences. Faster, cleaner, more transparent flows aren’t a nice-to-have. They’re how TPAs, brokers, and platforms grow margin and market share.

Few areas make this clearer than Individual Coverage Health Reimbursement Arrangements (ICHRAs). For employers, ICHRA transforms unpredictable group premiums into defined contributions. For employees, it means freedom to choose coverage that actually fits their needs.

But for ICHRA to work at scale, two things have to operate in sync:

Employer setup and communication determining fair, compliant allowance structures and helping employees understand the shift.

Enrollment support and payment infrastructure making it easy for every employee, whether they enroll online, on their phone, or with phone support, to navigate the process confidently and get reimbursed seamlessly.

That’s where The ICHRA Shop stands out. Their team guides employers and brokers through every stage, from designing compliant strategies to managing transitions and employee education. They’ve demonstrated time and again that strategy, compliance, and clear communication are the foundation of adoption.

And that’s why we partnered and why employers are already running on the combined solution.

The ICHRA Shop brings the strategy, and we bring the infrastructure.

Our platform now powers:

• Real-time payments: instant premium disbursements and reimbursements.
  Eligibility and compliance checks: embedded directly into the flow, not bolted on after.
  A unified benefits marketplace: integrating with The ICHRA Shop to power a choice-driven shopping experience, connected across employers, brokers, carriers, and TPAs.

Together, we’ve solved a major gap: most employers offering ICHRA were still managing their other benefits on separate systems. With Fijoya in place, they’re now managing ICHRA, other benefits, and HR policies all in one platform, creating a single, intuitive experience for both employers and employees.

For brokers, the value is already expanding. By connecting The ICHRA Shop’s Sherpa-powered shopping to Fijoya’s payments, brokers are adding commissionable products like dental, vision, and lifestyle benefits, boosting revenue per employee while simplifying operations.

In this race, speed, clarity, and connected experiences determine who grows and who gets left behind.

Together with The ICHRA Shop, we’re helping the ecosystem win through better payments and a better way to run benefits altogether.

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