Zorro vs. other top ICHRA vendors

When it comes to Individual Coverage Health Reimbursement Arrangements (ICHRAs), the vendor you choose goes a long way in determining whether the model feels seamless or overwhelming.

Zorro’s ICHRA administrative platform makes benefits simpler for brokers, employers, and employees. But don’t just take our word for it. Here’s how Zorro stacks up against other popular ICHRA providers.

Zorro vs. other ICHRA plan administrators

Take a look at how Zorro compares to other ICHRA providers, such as Venteur, Thatch, Remodel, TakeCommand, Zizzl, SureCo, and BenefitBay.
  Zorro

Others
Pricing
Clear, transparent, competitive pricing with no hidden fees
Often layered or variable fees; extra compliance add-ons or portal access fees
Technology
Real-time quoting, AI-powered plan recommendations, automated reporting
Manual processes, limited functionality at scale

Broker tools
Flexible agent-of-record (AOR) status, co-branded opportunities, real-time quoting
Limited broker support tools, slow quoting, additional fees for platform access
Employer support
Actionable dashboards, automated compliance, named Customer Success Manager
Varies; minimal onboarding support, offshore service teams, limited transparency
Compliance and reporting
Automated IRS reporting, affordability guardrails, 90-day notices
Compliance services may come at additional fees or handled by brokers
Employee experience
Multi-lingual support, personalized plan recommendations, doctor search, in-platform chatbot
Limited multi-lingual support, minimal employee guidance
Designed for teams of all sizes
Designed to scale from 5 to 5,000+ employees
Specializes in specific group sizes (e.g., <50, >250 employees)
White-glove service for enterprise organizations
High-touch support for both SMBs and large enterprises, with specialty services to support adoption at scale
Various levels of support, but long response times are not uncommon

3 reasons why more companies choose Zorro

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Broker-first design

Zorro puts brokers at the forefront with flexible AOR status and real-time quoting tools. Our platform makes it easier for our trusted partners to quote, sell, and manage ICHRA plans (and earn generous commissions).

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Streamlined administration for employers

Eliminate the admin overload and set your benefits team up for ICHRA success. Zorro’s actionable dashboards, automated reporting, and baked-in compliance features save time and ensure accuracy. 

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Unmatched employee support

Zorro’s AI-powered decision support helps 84%+ of employees choose a health plan without human intervention. When assistance is needed, our expert support team provides personalized guidance so all employees feel confident and informed.

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What our clients say about Zorro's ICHRA administration software

The plan design process

“Our overall experience was great. The best feature about selecting Zorro was allowing the company to shift ownership of the plan benefits and costs into our employees’ hands so they could decide which plan was ultimately best for their needs. 

At the same time, it allowed the company to reap the benefits and cost savings associated with these plans.”

Yadira Irizarry
Director of Staff Accounting, HairClub®

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Onboarding and education

“Zorro helped us communicate clearly, so employees understood what was being offered to them. And with many of our employees preferring Spanish, having a website and enrollment videos in their language made a huge difference.”

Jennifer Ford
Director of Human Resources, Village Green Landscapes

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The employee experience

“Implementing an ICHRA-based healthcare benefits model with Zorro enabled us to ensure that our employees felt informed, confident, and supported when navigating the transition.”

Katelyn Green
Senior Generalist & Payroll Coordinator, Rush Memorial Hospital

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Reimagine benefits with the smartest ICHRA platform on the market

Traditional group plans weren’t built for the modern workforce. With Zorro, you can experience employee benefits as they should be—backed by the power of the smartest ICHRA administration software available. 

Book a demo today to experience the Zorro platform live and see how much you could save with an ICHRA. 

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Frequently asked questions about ICHRA and Zorro

What is ICHRA and how does it work?

The Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to set a fixed monthly contribution amount. Employees use those funds to shop for ACA-compliant individual health insurance plans, often using an ICHRA administration platform like Zorro to compare plans based on personal preferences, including coverage type, premiums, and network needs.

You can learn more about how ICHRA works here.

On average, Zorro clients save anywhere from 20-40% on premiums annually while offering employees a broader range of plan choices (think: 50-100+ vs. 1-4 group-sponsored plans). 

Read more about real-world results here.

When evaluating ICHRA vendors, it's crucial to ask the right questions to ensure you're selecting the platform that best fits your needs. Here are some key questions to consider:

  • What is the platform’s pricing structure, and are there any hidden fees (e.g., for portal access, compliance add-ons, etc.)?
  • Does the vendor offer AI-driven decision support tools to help my employees make informed choices?
  • How does the platform handle compliance with IRS regulations, including ACA affordability and 1094/1095 reporting?
  • Does the platform support multi-lingual employees, especially for diverse teams?
  • Can the platform scale with my workforce size, whether it's 50 employees or 5,000?

Read more about key considerations when choosing an ICHRA administration platform here.

It’s true: Without the right partner, ICHRA can be overwhelming. That’s where platforms like Zorro come in. 

We offer comprehensive support from onboarding to enrollment and beyond to ensure your team feels confident and informed at every step. We partner with your company to host live webinars, offer easy access to our enrollment experts, and have a robust self-service help center for additional insights. 

Best of all, our AI-powered decision support engine helps individuals shop for and enroll in coverage that best suits their needs, anticipated levels of care, and budget. In fact, over 80% of employees enrolled on the Zorro platform select coverage with no human intervention (and our expert team is ready to help if additional support is needed). 

Read more about how AI supports the plan shopping process here. 

Zorro’s automated tools take the complexity out of ICHRAs, enabling your team to focus on strategic priorities rather than administrative tasks. Here’s how we make ICHRA administration easier for your team:
  • Actionable dashboards: Simplify oversight and ensure timely reporting with real-time data and actionable insights, reducing administrative workload. Our platform integrates with virtually every HRIS/payroll platform for a smooth, streamlined experience.
  • Automated compliance: Our platform automates compliance checks (e.g., IRS reporting, affordability calculations, 90-day notices) to ensure you're always in the clear without manual effort.
  • Streamlined employee plan management: Zorro’s user-friendly admin portal surfaces tasks as they arise. Whether you need to onboard a new hire, initiate a special enrollment period for an employee who has experienced a qualifying life event (QLE), or remove former employees from your plan, you can do it all in a few clicks.

Zorro’s platform streamlines quoting, plan design, and compliance, making it easy for brokers to sell and manage ICHRA plans. Our AI-driven tools and real-time quoting support brokers at every step of the process. Brokers can also maintain Agent-of-Record (AOR) status while benefiting from a comprehensive set of broker-friendly features, such as automated enrollment through our HealthSherpa integration and at-a-glance client dashboards. 

Experience benefits that benefit everyone

Unlock a smarter solution with the industry's smartest ICHRA platform.

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