Predictable costs
You set the contribution. No more renewal surprises, no more annual rate shock. Your benefits budget becomes a flat line — and the savings vs. group health are real.
National Advisor Network · powered by ICHRAOSHealth Benefits.
Health Benefits.
Real Choice.
Replace your group health plan with an Individual Coverage HRA. Your team picks the plans they actually want. You give them a tax-free monthly allowance. A local Eligo advisor handles every detail — backed by enterprise-grade tech.
- Takes 60 seconds
- No login required
- Real carrier rates in your ZIP
Plans available from major carriers including
Anthem Blue CrossAetnaCignaUnitedHealthcareKaiser PermanenteHumanaOscarHighmark
Four reasons employers switch to ICHRA with Eligo
A modern alternative to group health, backed by a national advisor network and the platform that powers it.
Real employee choice
Each employee picks the plan that fits their family, their doctors, their budget. No more “one plan for everyone.” More people end up with coverage they actually use.
Local advisor, national reach
A Eligo advisor in your state handles setup, employee education, payroll integration, and ongoing service. Backed by a national network — never alone.
Best-in-class technology
An admin console that’s actually usable, intuitive plan shopping for your team, and a real recommendation engine — all powered by ICHRAOS, the operating system behind every Eligo program.
How Eligo works
From group plan headaches to a flat-line budget,
in three steps.
1
Set your monthly allowance
Pick a tax-free monthly amount you want to contribute per employee. Vary it by class — full-time, part-time, family vs. single. Your Eligo advisor helps you optimize.
2
Your team shops real plans
Each employee logs in and shops actual ACA plans from major carriers in their ZIP. Our recommendation engine surfaces the best fit for their doctors, budget, and family size.
3
Reimbursement runs itself
Your advisor sets up payroll integration and premium reimbursement. Employees pay their carrier, you reimburse via payroll. Compliance, notices, and reporting are handled.
Your Eligo advisor is hands-on through all three steps — and stays involved for renewals, employee questions, and compliance updates.
One brand. Many advisors. One platform.
National network · local advisors
A real person in your state.
Backed by a real platform.
Eligo is a national network of independent benefits advisors operating under one trusted brand and one shared platform. When you sign up, you’re paired with a local advisor who knows your state, your carriers, and your industry — so you have a single person to call. They’re backed by enterprise-grade technology and a team behind it that handles compliance, payments, and platform ops 24/7.
- Local expertise
State-specific carrier knowledge, rating areas, and ICHRA rules. Your advisor has done this dozens of times in your market.
- National scale
Platform-level investments — carrier integrations, plan recommendations, compliance updates — that no single advisor could afford on their own.
- Managed for you
Setup, employee education, payroll integration, monthly reimbursements, renewals — all handled. You get a dashboard; not a checklist.
The market is moving
Group health is getting more expensive.
ICHRA is how the math finally works.
Industry stats from independent sources — what every CFO benchmarks against.
$25,572
Average annual family premium for employer-sponsored coverage in 2024
KFF Employer Health Benefits Survey 2024
+6.7%
Average annual premium increase for employer-sponsored health plans in 2024
KFF Employer Health Benefits Survey 2024
21M+
Americans now enrolled in ACA marketplace coverage — the plans your team picks from
HHS / CMS 2024
500K+
Employers expected to offer ICHRA by 2027 (5x growth from 2024)
HRA Council projection
Talk to a Eligo advisor
Get a real number.
Not a brochure.
Tell us about your team and a local advisor will run real numbers for your ZIP, your headcount, and your renewal. No hard sell, no commitments — just a 20-minute conversation about whether ICHRA makes sense for you.
- Personalized savings analysis vs. your current plan
- Side-by-side carrier + plan availability in your ZIP
- Compliance walk-through (notices, plan year, payroll)
- Honest answer on whether ICHRA fits your situation