Learn ICHRA & HRB Certification
Expand your knowledge of Individual Coverage Health Reimbursement Arrangements (ICHRA) and Health Reimbursement Bridge strategies with specialized education from Joshua Brooker.
From Contracting to Enrollment in 4 Steps
Everything you need to take an employer from first conversation to enrolled employees — using ICHRA to deliver real choice and predictable benefit budgets.
Get ACA Contracts
Secure your carrier appointments — including off-exchange contracts — so you're ready to write individual ACA plans for every employee on the group.
Request ContractsGet Set Up on an ICHRA Platform
Connect to an ICHRA administration platform that handles eligibility, defined allowances, and compliance for the employer's contribution strategy.
Find a Group — Send a Census
Identify an employer prospect, send a census, and get back a tailored plan design and ICHRA allowance structure that fits their budget.
Walk the Employer Through Their Options
Present the ICHRA vs. group comparison, finalize the plan design, and enroll employees into the individual ACA plans that fit their families.
Interactive ICHRA Insights by State & County
Explore which states and counties are primed for ICHRA adoption. Compare individual vs. small group ACA premiums, YoY quoting growth, and quoting density across the country, powered by Ideon.
Map and data powered by Ideon. Displays lowest-cost Bronze plans on individual vs small group ACA markets by county and state.
Get Certified with HRB ($20 Off)ICHRA vs. Group Plan Savings Estimator
Show employer prospects a quick side-by-side cost comparison. Adjust the inputs to model how a defined ICHRA allowance could compare to a traditional group premium.
Employer Scenario
Total eligible employees on the plan.
Avg. monthly group premium per employee.
Percent of the group premium the employer pays.
Defined monthly pre-tax allowance per employee.
Estimates use national average assumptions for demonstration only. Actual ICHRA affordability and savings depend on employee classes, county-level individual premiums, and applicable ACA rules.
Monthly Cost Comparison
$2,031 /mo
Annual
$24,375
Per employee / yr
$975
Why Every ACA Agent Should Learn ICHRA
ICHRA bridges the gap between individual ACA plans and traditional group health benefits — giving you a huge edge with employer clients.
Unlock Small & Mid-Sized Groups
Help employers move away from spiraling group renewals by giving employees defined pre-tax allowances for individual market ACA plans.
Double-Digit YoY ICHRA Growth
ICHRA quoting and adoption are accelerating rapidly across the country as businesses seek predictable employee health benefit budgets.
Empower Employee Choice
Instead of a single one-size-fits-all group plan, employees select the network, metal tier, and carrier that actually fits their family.
Compliant Bridge Strategy
Master the exact compliance, affordability rules, and tax mechanisms created by the Health Reimbursement Bridge framework.
Specialized Professional Education from Joshua Brooker
Expand your knowledge of Health Reimbursement Bridge strategies with specialized professional education from industry leader Joshua Brooker and Pegasus. Learn how to consult employers, structure defined contribution benefits, and tap into one of the fastest-growing segments in health insurance.
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What You'll Learn
- ICHRA mechanics and employer tax deductions
- Employee class designs & contribution rules
- ACA affordability compliance calculations
- How to pitch and close employer group prospects