$25,572
Average annual employer-sponsored family premium in 2024 — and rising 6.7%/yr
KFF Employer Health Benefits 2024
For independent advisors & agencies
Build Your Benefits Practice. Own Your Future.
The traditional benefits broker model is dying. Most brokers outsource ICHRA to vendors — building someone else’s asset. Eligo flips the model: you own the client, the BoR, and the long-term equity in a personalized-benefits business — backed by national-grade technology, lead generation, and a back office you don’t have to build.
- Limited partners per market
- Inbound leads routed to you
- Built-in exit strategy
The Opportunity
Group health is breaking.
Personalized benefits is the next decade.
The brokers who build practices on top of this shift will own the next era of employer benefits. The ones who don’t will lose clients to the ones who did.
5×
Projected ICHRA growth from 2024 to 2027 — half a million employers by 2027
HRA Council projection
21M+
Americans now on ACA marketplace — the plans your clients’ employees pick from
CMS / HHS 2024
50+
Personalized benefits products beyond ICHRA your book can offer through the platform
Eligo / ICHRAOS catalog
What you get
A franchise-like model. Everything you need to build and grow a multi-million dollar book.
Centralized infrastructure, marketing and lead generation, and a real asset you can scale — or sell — on your terms.
ICHRAOS — the operating system
Advisor admin console, employee shopping portal, AI plan recommendation engine, and full ICHRA back-office (compliance docs, plan year management, payroll deduction reports). The same enterprise-grade tech we power Eligo with — running your book of business.
Inbound leads — routed to you
Eligo runs national consumer marketing. Employer leads from your geography are routed to you exclusively (limited partners per market). You focus on closing; we handle the pipeline with branded campaigns and ready-to-use assets.
Training & ICHRA certification
Onboarding curriculum, sales playbooks, objection handling, and ongoing certification. New to ICHRA? You’ll be selling like a veteran in 60 days. Already an expert? You’ll add efficiency through the platform.
Back-office — handled
Compliance updates, carrier integrations, premium-payment automation, employee support tickets, payroll integration, plan documents — all run by Eligo HQ. You stay client-facing instead of paperwork-facing.
National brand, local autonomy
Operate under the Eligo brand for instant credibility with mid-market employers. Co-brand your service area, keep your local relationships, and tap into national-firm marketing strength without giving up your independence.
Asset ownership + exit strategy
You own the BOR, you control the revenue flow, you build the equity. As your book grows, the long-term value of your business grows with it. When you’re ready to exit, you have a real asset to sell.
The Eligo advantage
DIY. Vendor. Eligo.
The honest comparison. Eligo isn’t the only option — but it’s the only one that combines tech, leads, exclusivity, and ensures you maintain ownership of it all.
Recommended
| Build it yourself | Refer to a vendor | Eligo | |
|---|---|---|---|
| Who owns the BOR | You | The vendor | You |
| Who owns the client relationship | You | Mixed — vendor controls platform | You |
| Who builds & maintains the technology | You — millions in cost | Vendor (closed) | Eligo (you use it) |
| Inbound leads | Yes — exclusive in your market | ||
| Compliance + back-office | You build & maintain | Vendor handles | Eligo handles |
| Market exclusivity | N/A — you compete with everyone | Limited partners per market | |
| Long-term equity / exit value | Yes — but slow to build | Limited — vendor owns the asset | Yes — you build a real asset |
| Time to first close | 12–24 months (build first) | 30–60 days | 30–45 days (we onboard you) |
Build it yourself
- Who owns the BORYou
- Who owns the client relationshipYou
- Who builds & maintains the technologyYou — millions in cost
- Inbound leads
- Compliance + back-officeYou build & maintain
- Market exclusivityN/A — you compete with everyone
- Long-term equity / exit valueYes — but slow to build
- Time to first close12–24 months (build first)
Refer to a vendor
- Who owns the BORThe vendor
- Who owns the client relationshipMixed — vendor controls platform
- Who builds & maintains the technologyVendor (closed)
- Inbound leads
- Compliance + back-officeVendor handles
- Market exclusivity
- Long-term equity / exit valueLimited — vendor owns the asset
- Time to first close30–60 days
Eligo
- Who owns the BORYou
- Who owns the client relationshipYou
- Who builds & maintains the technologyEligo (you use it)
- Inbound leadsYes — exclusive in your market
- Compliance + back-officeEligo handles
- Market exclusivityLimited partners per market
- Long-term equity / exit valueYes — you build a real asset
- Time to first close30–45 days (we onboard you)
From application to first close
Four Steps to Your Eligo Practice
1
Apply & qualify
Tell us about your background, market, and book of business. We review applications weekly and only accept advisors we believe will succeed in their territory. Limited partners per market.
2
Onboarding & ICHRA certification
Two weeks of structured training: ICHRA fundamentals, the ICHRAOS platform, sales playbooks, compliance, and carrier walk-throughs. Live coaching from advisors who’ve done this.
3
Receive inbound leads
Marketing turns on for your geography. Employer leads from your state route to you exclusively. You also get marketing collateral, co-branded campaigns, and outbound playbooks for your existing relationships.
4
Build your asset
Close, onboard, service. Eligo runs the back office; you focus on relationships and renewals. As your book scales, the equity in your business compounds — and you have a real exit when the time comes.
From application to your first onboarded employer typically runs 60–90 days. Faster if you bring an existing prospect into onboarding.
Who joins Eligo
Three Profiles. Three Paths to Growth.
See yourself in one of these — or all three. The Eligo model adapts to where you’re starting from.
Profile A
The Independent Advisor Going Solo
You’ve built a book at a larger agency or carrier and want to launch your own practice. You don’t have time or capital to build technology — and you don’t want to start from zero with brand or leads.
How Eligo fits
Eligo gives you turnkey infrastructure + inbound leads from day one.
Profile B
The Established Agency Without ICHRA
You run a successful benefits agency selling group health, but ICHRA inquiries are coming in and you don’t have the platform, training, or compliance support to close them confidently.
How Eligo fits
Eligo plugs into your existing agency as the ICHRA arm — your brand, our tech.
Profile C
The Agency Looking for a Stronger Brand
Your agency name is local. ICHRA prospects evaluate you against national platforms. You want the credibility of a recognized national brand without losing your client relationships or local autonomy.
How Eligo fits
Eligo lets you operate under a national brand while keeping ownership and equity.
Common questions