How does the quoting tool work?

The quoting tool is designed to help you create and send an ICHRA quote for your client in just a few minutes — all from your one-stop portal. Whether you're building a quick estimate or a finalized proposal, the process is simple and flexible.

Watch the Demo

Check out the demo video for a guided walkthrough of the quoting process and platform features.

Step 1: Add Basic Client Information

Start by entering your client’s basic information to generate an immediate ballpark quote. This initial estimate is helpful for:

Early conversations with prospects
Understanding general affordability
Aligning with a client’s budget expectations

If your client already has a target budget in mind, you can enter it here and move to the next step.

Step 2: Enter the Employee Census

To generate an accurate quote — not just a ballpark estimate — you’ll need to enter employee census information. You have several options for adding employee details:

Single Entry — Manually add employees one at a time
CSV Upload — Upload employee data using our downloadable template
Bulk Paste — Copy and paste employee details directly into the platform (this is the most commonly used option)

The more accurate the census data, the more accurate the quote.

Step 3: Mark Non-Participating Employees

If certain employees will not participate in the benefit, you can indicate that during the quoting process. This helps create a more exact projected budget and contribution estimate.

Step 4: Choose Your ICHRA Strategy

Next, you’ll select the contribution strategy for the quote. You have two primary options:

Flat Rate

A single contribution amount is assigned to all employees within the same employee class or group.

This option is simple, predictable, and easy to communicate.

Smart Rates

Smart Rates adjusts contribution amounts based on employee age and ZIP code. This strategy is designed to help employers:

Better match local premium costs
Improve affordability for employees
Create more competitive and equitable benefit designs

Click here to learn more about when to use Flat Rates vs. Smart Rates.

Step 5: Send the Quote

Once your quote is ready, select Send Quote and enter your client’s email address. Your client will receive a link where they can:

Review the proposal
Finalize the quote
Request changes if needed

Step 6: Client Onboarding

After the client finalizes the quote, they’ll move directly into onboarding. We’ll automatically send them a link to complete the self-service onboarding process, making implementation simple and streamlined for both you and your client.