AI healthcare assistant
Answers employee questions about plans, coverage, and reimbursement, any time — trained on your client's plan documents and the Fijoya vendor marketplace.
ICHRA is now CHOICE Arrangements. Fijoya is built for brokers.
ICHRA software for brokers (now called CHOICE Arrangements)
Sell ICHRA without
handing over your client.
Most ICHRA platforms want a piece of your book: the BOR at renewal, a cut of your commission, or control of enrollment. Fijoya takes none of it. You quote it yourself, launch enrollment yourself, and keep the commission on every product.
SOC 2 Type 2·HIPAA compliant·3,000+ vendor marketplace·Self-serve quoting, enrollment and reporting
Trusted infrastructure for brokers
- Partnered with HealthSherpa
- SOC 2 Type 2
- HIPAA compliant
- 3,000+ vendor marketplace
Read the fine print
Read the fine print before you pick a platform.
Here's where most ICHRA administrators quietly take a cut, and where Fijoya doesn't.
Quoting
Many ICHRA platforms
Request it and wait on their team
Fijoya
Run it yourself, anytime
Broker of record
Many ICHRA platforms
Can shift to the administrator at renewal
Fijoya
Stays with you. Always.
Commissions
Many ICHRA platforms
Split with the platform
Fijoya
Yours, on medical and every ancillary
Your fee
Many ICHRA platforms
Set by their PEPM schedule
Fijoya
Any PEPM you choose
Enrollment & GA
Many ICHRA platforms
Their appointments
Fijoya
HealthSherpa built in, or any GA or FMO you choose
Open enrollment
Many ICHRA platforms
Their team runs it
Fijoya
You decide how it runs
Reporting
Many ICHRA platforms
Ask their team for it
Fijoya
Live in your dashboard
Deal structure
Many ICHRA platforms
Their playbook
Fijoya
Your playbook
Peterson-KFF found some ICHRA administrators take over the agent-of-record role at renewal and move commission income away from the original broker.
What you earn
You set the price. Here’s what that’s worth.
Your fee is yours to set, per employee per month. Run the numbers for any group in your book.
Book a demo50
$20
Your annual fee revenue
$12,000
Plus commission on every medical and ancillary product your client buys.
Illustrative only. You choose your PEPM; defaults are examples, not recommendations.
80% of employers say they'd be more likely to adopt ICHRA if their broker recommended it.
The number of businesses offering ICHRA grew 53% in a year. And more than half of brokers still haven't sold one. If you don't bring it to your clients, another broker will.
Book a demo53%
growth in businesses offering ICHRA in one year
54%
of brokers have never sold an ICHRA
The enrollment problem, solved
The hard part of CHOICE (ICHRA) isn't the sale. It's enrollment.
85% of brokers say employee confusion is their biggest ICHRA concern (TASC 2026). Fijoya gives every employee an AI assistant that answers their healthcare questions in plain English, so your service team isn't fielding hundreds of "which plan should I pick" calls. Less service load on your team, and a smoother first year for your client.
One marketplace
3,000+ vendors, plus standard and non-standard ancillaries, in one place.
Built-in reimbursement
Expense reimbursement handled inside the platform, not in a spreadsheet.
Is it a fit?
Which of your renewals should be ICHRA?
If a client checks two or more of these, it is worth quoting.
- Facing a double-digit renewal increase
- Employees spread across multiple states or ZIP codes
- Mixed workforce: part-time, seasonal, or a wide range of ages
- Employer wants a fixed, predictable benefits budget
- Small or mid-size group priced out of good group options
- Employer currently offers no health coverage at all
Have one in mind? Bring it to the demo and we will quote it live.
Book a demoHow it works
From demo to your first quote in a day.
01
Book a demo.
Twenty minutes to walk through the platform.
02
Sign the broker agreement.
One agreement, then you get your own login.
03
Quote it yourself.
Upload a census, set your PEPM and contributions, and build the quote on your own schedule.
04
Launch and manage it yourself.
Run open enrollment your way, use your own GA, track everything in reporting, and keep your commissions.
Your first case, with back up. Fijoya can also assist with contribution design and help you sell as well.
Who it's for
Built for brokers who want ICHRA on their terms.
- Practice leaders
- A repeatable renewal play every producer in your office can run.
- Producers with tough 2027 renewals
- A real option to save the account instead of losing it to a rate increase.
- Agency leaders
- A new benefits revenue line without adding service headcount.
OUR PROMISE
Why we built it this way
ICHRA only works when the broker owns the client. The moment a platform starts competing with the broker for the relationship, the model breaks. So Fijoya is built to make sure that never happens: no BOR changes, no commission splits, no going around you.
FAQ
Questions brokers ask first.
Bring us your ugliest 2027 renewal.
Book a demo and we will quote it together, live. After that, you run every quote yourself.
No commitment.
Your client stays your client.