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ICHRA Solutions

ICHRAs are hot, and Vericred has the APIs to power all phases of the decision process, from employer decision support (including affordability calculations) to employee shopping.

Download ICHRA Solutions Overview

Building an ICHRA Solution?

Mix and match our APIs to enable the functionality you seek. Vericred maintains the most robust infrastructure for ICHRA solutions in the market.

APIs to Enable Your ICHRA Solution



Our quoting APIs are used to compare small group plans and rates to individual plans and rates as an element of the employer migration process. And then our Individual Rating API powers the individual’s shopping experience.

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Disruption Analysis

Employers are concerned that the employees they seek to migrate to the individual market may not be able to find a plan in which their providers participate. Vericred’s Disruption Analysis APIs return group and employee level analysis on the availability of individual plans with each employee’s preferred doctors and facilities.



70% of individuals shopping for a health plan will enter their preferred doctors and facilities seeking to find a plan in which they participate. Our Provider Network APIs power shop-by-doc on ICHRA and State Marketplace exchanges and WBEs.

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SBC Digitization

Our SBC digitization service allows large employers to compare their existing plan benefits to those available in the individual market. Our context-free grammar delivers an apples-to-apples experience around these complex cost share designs.

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ICHRA Affordability Calculator

Determining the affordability of an ICHRA is a key element of ICHRA plan design and ongoing compliance, yet these calculations are complex and time consuming. Vericred’s ICHRA Affordability Calculator does all of the heavy lifting for these calculations. Simply pass your group information and employee census to the Affordability Calculator, and the API will respond, under various scenarios, with the minimum employer contribution necessary for an “affordable ICHRA”, the benchmark plans and premiums used in the calculations, and a subsidy estimation for each family if they chose to opt out of an ICHRA (small group only).

Use Cases

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ICHRA Decision Support

Powering the group-to-individual analytics and the individual shopping experience.

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ICHRA Exchanges

Powering a robust individual shopping experience with shop-by-doc and shop-by-drug.

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Data and analytics to enable compliance in a complex environment.

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Our Solutions Enable Your Company’s Mission

Contact us today to find out how we can help.