The ICHRA Shop, a leading provider of Individual Coverage Health Reimbursement Arrangement (ICHRA) solutions, has partnered with Fijoya - the platform that unifies and streamlines the benefits experience from policy to payment - to bring employers a fully integrated, transparent benefits solution already in use across joint customers.

The ICHRA Shop has built its reputation on helping employers and brokers design flexible, compliant benefits programs that return control to organizations while expanding choice for employees. With Fijoya now serving as the technology arm behind The ICHRA Shop’s offering, employers are already delivering a unified benefits experience: setting defined contributions with confidence, controlling costs with full transparency, and giving employees a streamlined, intuitive way to select their benefits.

Fijoya’s platform brings together three core products: real-time, policy-powered payments; AI-driven navigation; and a customizable defined-contribution-based benefits marketplace. Combined with The ICHRA Shop’s expertise in plan design and compliance, the joint solution provides employers and employees with a complete, cost-effective, and highly engaging benefits experience.

This combined approach reflects the emerging “choice benefits” model, emphasizing transparency, defined contributions, and employee empowerment. With Fijoya embedded into The ICHRA Shop’s infrastructure, employer policies connect directly to vendor networks, transactions are validated in real time, and funds flow instantly without reimbursement delays. Employers using the joint solution are already seeing reduced administrative burden, better utilization, and a more modern, employee-friendly benefits experience.

“Fijoya was designed to unify the benefits experience from policy to payment, making payments seamless, navigation intelligent, and marketplace choice simple,” said Baruch Levy, CEO and Co-founder of Fijoya. “Through our work with The ICHRA Shop, this technology is already powering a proven ICHRA model, making benefits easier to design, manage, and use, with real choice for employees and full visibility for employers.”

“At The ICHRA Shop, we believe the future of benefits is built on flexibility, compliance, and transparency,” said Brad O’Neill, Managing Partner of The ICHRA Shop. “With Fijoya powering our platform, employers are already experiencing that vision in action. They gain clarity and control, while employees gain access to the benefits that matter most to them.”

About Fijoya
Fijoya unifies and streamlines the benefits experience from policy to payment. The holistic platform delivers real-time, policy-powered payments, AI-driven navigation, and a customizable defined contribution-based benefits marketplace. Employers gain unmatched control and visibility, while employees enjoy seamless payments and personalized choices that increase utilization. Learn more at www.fijoya.io.

About The ICHRA Shop
The ICHRA Shop, founded in 2020 and based in Colorado, operates as an aggregator: a centralized source of marketplace quotes for employers, brokers, advisors, ICHRA platforms, and insurance carriers. Its services enable employers and their advisors to compare product features and carrier networks, shop individual insurance products, and evaluate ICHRA vendors.

The ICHRA Shop provides support services and point solutions for employers and advisors, including a digital benefits communications package with AI-driven decision support for ICHRA. Employees can shop and enroll on their phones or tablets in any language. The digital marketplace allows employees to compare carriers’ rates, plans, networks, doctors, prescriptions, and HSA considerations. Additional offerings include compliance tools, affordability testing, and ICHRA benchmarking. The ICHRA Shop delivers a personalized, branded benefits enrollment experience and works nationwide with employers of all sizes, advisors, and associations.

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