Sell ICHRA with an FMO behind you.
ICHRALY gives you the platform to run every group, and CareTeam gives you the contracting, back office, and payment engine to deliver it. You own the client relationship. We handle the machinery.
ICHRA is where the individual market is heading.
Adoption is climbing
ICHRA adoption grew 34 percent among employers with 50 or more employees from 2024 to 2025, and about 1,000 percent since 2020, per the HRA Council.
Recurring revenue
ICHRA groups pay every month, and about 9 in 10 employers keep their HRA year to year. You build a book that compounds instead of resetting each renewal.
Group is disrupting itself
Every painful group renewal is an opening. You bring the ICHRA answer and keep the relationship you already earned.
Source: HRA Council, Growth Trends for ICHRA and QSEHRA, Volume 4, 2025.
A platform and a team, not just a login.
Run your whole book
Every employer group, enrollment, and renewal in one dashboard. No spreadsheets, no lost cases.
Compliance built in
Affordability checks, plan documents, and notices are generated for you, so every case stays inside the rules.
CareTeam back office
Onboarding, employee support, and payment setup are handled by CareTeam, so you can keep selling.
Two ways to get paid.
Keep your commissions
You earn the published commissions on the coverage you place, the same as any individual business. Your book stays yours.
Add revenue when we do the work
When CareTeam's team handles the enrollment and ongoing service for your group, we set up a revenue share based on the level of service we provide.
Displace the group plan. Ride the individual market.
When a client is tired of group renewals, you move them to a defined contribution and let CareTeam carry the individual-market complexity most brokers do not want to touch. You stay the trusted advisor.
- You keep the client relationship and the renewal
- CareTeam handles individual enrollment and payments
- Your client gets predictable cost and real plan choice
Contract with CareTeam in three steps.
Apply
Send your details and licensing. We confirm you are ready to write individual business.
Get set up
We contract you, set up your ICHRALY workspace, and walk you through the platform.
Start selling
Bring your first group, and CareTeam supports the onboarding from day one.
Grow your book with ICHRALY.
Contract with CareTeam and sell ICHRA with a real platform behind you.