Transitioning from a traditional group health plan to an ICHRA model can feel overwhelming for employers and employees. From understanding new compliance rules and contribution strategies to navigating marketplace enrollment and carrier choices, the learning curve is steep.

At Decisely, we recognize these challenges and continue to enhance our platform based on feedback from our clients and their teams. Our goal is simple: to make the ICHRA experience easier, more transparent, and more empowering for everyone involved.

A Complete ICHRA Experience — All in One Place

We offer a single platform where employers can administer their ICHRA plan alongside ancillary benefits, simplifying plan management and reducing administrative friction.

Unlike traditional group health plans where employees choose between a few pre-selected options, ICHRA participants have access to a wide range of plans, carriers, and provider networks. That level of choice is a huge advantage, but it can also be confusing. That’s why we’ve designed tools and support to guide employees through each step with confidence.

Step 1: Benefit Election

Before shopping for coverage, employees receive a DOL-compliant notice that explains eligibility, contribution amounts, and key timelines. In addition to the automated written notice, we improved on-screen messaging to make ICHRA benefit election clearer and more engaging, ensuring employees understand what they’re eligible for and how to proceed.

Step 2: Marketplace Enrollment

Next comes the shopping experience, where employees explore plan options. Based on where they live, they either use the federal marketplace or a state-based exchange. Our platform makes it easy to compare plans and find the best fit that supports their doctors, medications, and budget.

Personalized, U.S.-Based Enrollment Support

Healthcare in America is complex. Even the most intuitive platform can’t replace the reassurance of speaking with a real person. That’s why we’re introducing phone-first enrollment support with U.S.-based expert advisors ready to assist employees step-by-step.

Our advisors help employees understand plan options, complete applications, and ensure they choose coverage that fits their unique needs. Every person deserves an enrollment experience that’s efficient, personalized, and stress-free.

Enhanced Employer Reporting

For employers, we expanded reporting to offer deeper insight into employee enrollment status. These enhancements make it easier to track progress, ensure everyone is successfully enrolled, and confirm all contributions meet compliance requirements — strengthening the partnership between employers and Decisely.

Introducing ICHRA Flex: The Virtual Debit Card Solution

One of the biggest barriers in traditional ICHRA plans is up-front premium payment. Many workers, especially in service industries, don’t have hundreds of dollars available for initial premium costs.

To solve this, we created ICHRA Flex, an employer-funded virtual debit card. Employees use the card to pay their monthly premiums directly, while employers handle the full payment and deduct the employee’s share through payroll. It’s a modern, flexible solution that mirrors the convenience of traditional group coverage.

Faster Reimbursements and Real-Time Notifications

For employers using a standard reimbursement model, we’ve streamlined every step. Employees can now upload proof of coverage instantly, triggering real-time notifications for both employer and employee as requests are reviewed by Decisely’s compliance team. Automated reports make reimbursement processing faster, more accurate, and fully aligned with each employer’s reimbursement policy.

Always Listening, Always Improving

These are just a few of the enhancements we’re proud to share. Behind the scenes, our product and development teams are continuously refining the platform to improve accessibility, usability, and overall experience.

As ICHRA guidelines and best practices evolve, so will we. At Decisely, we’re committed to listening to our clients and their employees, learning from every interaction, and delivering innovations that make employee benefits simpler, smarter, and more human.