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Bizcare Benefits

Your flexible, end-to-end ICHRA solution

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BizCare: Your Complete ICHRA & Enrollment Solution

Take the complexity out of health benefits. BizCare delivers a turnkey ICHRA platform that combines expert HRA administration with seamless On- and Off-Exchange enrollments—all in one streamlined experience. Whether you’re looking for full-service support or flexible tools to manage benefits your way, BizCare adapts to meet your needs. Empower your organization with smarter, simpler and more personalized health coverage.

The Benefits

Reduced Administrative Burden

BizCare handles the complexities of ICHRA setup, compliance and reimbursement management so HR teams and brokers can focus on strategy, not paperwork.

Flexible Support, Your Way

Whether you want full-service delivery or prefer a guided, self-managed approach, BizCare’s experienced group benefits team and flexible partnership model meets you where you are.

Predictable Cost Control

Set your own contribution levels and stay within budget—no more unpredictable premium increases or open-ended group plan commitments. BizCare empowers employers to define and lock in costs month to month, offering unmatched budget stability.

No Participation Requirements

Unlike traditional group health plans, ICHRAs have no minimum participation rules. Whether you have one employee or one hundred, BizCare enables you to offer flexible health benefits without being bound by rigid eligibility thresholds.

Contribution Strategy Buildout + ICHRA Administration

BizCare’s ICHRA HRA Administration module offers a data-driven approach to managing and modeling health reimbursement arrangements. Designed to reduce manual effort and increase strategic insight, this feature simplifies everything from contribution design to compliance—while ensuring every employee has access to plan options tailored to their needs.

Pulls real-time employee census data directly from PrismHR for seamless setup.
Evaluates available plans based on each employee’s ZIP code and age for accurate rate mapping.
Compares premiums across carriers, tiers and plan types to inform contribution decisions.
Calculates IRS affordability in real-time to help ensure compliance with federal guidelines.
Creates and maintains a full audit trail of defined contribution strategies and changes.
Models multiple contribution strategies to help employers select optimal options.
Supports classification-based contributions (e.g., full-time vs. part-time, location-based).
Flags and helps prevent contribution models that could trigger non-compliance risks.
Generates documentation for plan summaries, notices and safe harbor validation.
Exports contribution models and plan matchups for easy stakeholder review and approvals.

Group Onboarding

BizCare streamlines the group onboarding experience with a fully guided, compliance-ready workflow—making it fast and easy for employers to get started with ICHRA. From digital contract execution to account setup and employee enrollment coordination, we handle the heavy lifting so you can launch efficiently and with confidence.

Enable digital contract signature directly within the onboarding portal—no separate tools needed.
Perform KYB/KYC (Know Your Business/Know Your Customer) checks to validate business identity and support secure funding account creation.
Automatically create ICHRA employer accounts, complete with plan setup and classifications.
Configure contribution amounts aligned with your onboarding timeline and strategic goals.
Identify and invite eligible employees to the open enrollment experience with custom messaging.
Coordinate open enrollment dates and windows, including notification and follow-up tools.
Track onboarding status in real time with a centralized onboarding dashboard for admins and brokers.

Employee Enrollment

BizCare transforms the ICHRA enrollment process into a fully guided, one-on-one experience that prioritizes each employee’s unique health and financial needs. Every participant receives personalized support to ensure they select the right coverage—with confidence and clarity.

Every employee receives a 1:1 enrollment appointment with a licensed specialist—not just a self-service link.
A comprehensive health needs analysis is conducted to align plan options with the employee’s providers, prescriptions and care requirements.
Specialists answer questions in plain language, helping reduce confusion and build employee trust.
Family needs are carefully evaluated to recommend the right coverage for dependents, not just the employee.
Step-by-step support is provided for enrolling on both On-Exchange and Off-Exchange plans, depending on eligibility.
Employees receive direct guidance on eligibility for premium tax credits or cost-sharing reductions.
Specialists ensure all doctors and medications are in-network before a plan is selected—no surprises post-enrollment.
Enrollment progress is tracked and visible to admins, with real-time reporting on completed selections and pending appointments.

Go-Live & Premium Processing

Once Open Enrollment is complete, BizCare leads the final step of your ICHRA implementation—ensuring accurate invoicing, timely carrier submissions and full support throughout the transition. Our team is by your side to make sure everything goes live without a hitch.

Employer invoicing begins after OEP closes, based on finalized enrollments and defined contributions.
Group premiums are aggregated and presented in a clear, itemized invoice for easy employer funding.
BizCare submits all employee enrollments to the appropriate carriers for processing and activation.
Live support from the BizCare team is available to guide you through funding, enrollment finalization and carrier coordination.
Post-launch reporting and audit logs provide transparency and help with ongoing compliance and reconciliation.