AI-native ICHRA & ACA infrastructure

The API layer that turns ICHRA chaos into scale.

One integration connects carriers, ICHRA platforms, and brokers — quoting, enrollment, status, and reconciliation flow through a single AI-powered API. Group-like experience. Individual market economics.

Book a 20-min demo Read the API docs

40+: ICHRA platforms
1: integration, every carrier
< 14d: to production

CMS-registered EDE SOC 2 Type II HIPAA aligned

Florida Blue

Ambetter

Oscar

Aetna

Cigna

UHC

ICHRA platforms

Brokers

Employers

TPAs

1,284,921 enrollments routed today

p95 · 412ms

carrier round-trip

SOC 2 · HIPAA

CMS-registered EDE

app.aiqhealth.com/quote

212 plans · sorted by AI match 0.4s

Best match

Florida Blue

BlueOptions Silver 1442

$48/mo after subsidy

Deductible $2,900

Ambetter

Balanced Care 12

$71/mo after subsidy

Deductible $3,500

Oscar

Silver Classic

$92/mo after subsidy

Deductible $4,000

Trusted by high-volume ACA agencies across 47 states

MeridianSolstice HealthNorthwindCadre BenefitsPalmetto GroupRivera & Co

The platform

One workspace. Every step of ACA enrollment.

Legacy quoting tools stop at "here's a plan list." AIQ owns the entire lifecycle — from the first call to the fourth-year renewal.

AI-guided quoting

Intake, subsidy calc, and plan match in under a minute. The AI narrows 200+ plans to the three that actually fit the household.

Side-by-side compare

Networks, drug tiers, deductibles, and out-of-pocket max — normalized across carriers so consumers can decide in one screen.

Compliant e-enrollment

CMS-registered EDE with automatic RIDP, attestations, and doc uploads. Zero handoffs to Healthcare.gov.

Book-of-business CRM

Household timeline, renewal alerts, SEP triggers, and commission tracking — replacing the spreadsheet you promised to retire.

Analytics that matter

Producer scorecards, funnel drop-off, carrier mix, and retention curves. Not vanity charts.

Native dialer + SMS

Click-to-call, recorded consent, and 2-way SMS with disclosures baked in. No Twilio duct tape.

Who we serve

Three buyers. One infrastructure layer.

TPAs, carriers, and plan sponsors each feel ICHRA complexity differently. AIQ Health Connect solves the same data problem for all three — here's how each buyer sees it.

TPAs & benefits administrators

The Operations Owner

COO · VP Operations · Director of Benefits Administration

Administers ICHRA and group business for hundreds of employers on thin margins. Growth is capped by headcount, not demand — every new employer adds manual eligibility, enrollment, and reconciliation work.

Goals

Scale member count without scaling the service team
One integration that reaches every carrier and marketplace
Clean, auditable enrollment and reconciliation data

Pain today

Carrier-by-carrier files, portals, and spreadsheets
Manual enrollment QA and 834 error chasing
Commission-share pricing that punishes volume

What AIQ delivers

Single AIQ Connect API for quoting, enrollment, and status
Transparent PMPM + transaction pricing — 0% commission share
Live in under 14 days with white-glove migration

Buying trigger

Winning a large ICHRA employer that the current stack can't absorb.

"Migration will break our open-enrollment calendar."

Parallel-run migration with data validation before cutover, plus zero switching cost — we run alongside your current stack until the numbers match.

Success metric: Cost per member per month · admin hours per group

Insurance carriers

The Distribution Leader

VP Individual/ICHRA Distribution · Head of Digital · Chief Compliance-adjacent stakeholders

Owns individual-market growth targets and needs distribution reach across dozens of ICHRA platforms, brokers, and TPAs — without building a bespoke integration for each one.

Goals

Reach every ICHRA platform and broker through one pipe
Faster, cleaner enrollments with fewer downstream defects
Real-time visibility into quote-to-bind conversion

Pain today

Dozens of partner integrations, each with its own file spec
Bad-data enrollments creating billing and member-service costs
No shared telemetry across distribution partners

What AIQ delivers

One certified integration that fans out to the full partner network
Validated, normalized enrollment payloads with p95 latency under 500ms
SOC 2 and HIPAA controls with CMS-registered EDE lineage

Buying trigger

An ICHRA growth mandate with a launch date and no engineering capacity.

"Security and compliance review will take two quarters."

Pre-packaged security review kit — SOC 2 report, HIPAA BAA, data-flow diagrams, and pen-test summary — supplied on day one of diligence.

Success metric: Enrollments per partner · integration time-to-market

Employer groups & associations

The Plan Sponsor

CFO · Head of HR/Total Rewards · Association Executive Director

Wants predictable healthcare spend and a benefit employees or members actually understand. Evaluates ICHRA as a way to cap cost while widening plan choice — but fears a confusing enrollment experience.

Goals

Predictable, defensible healthcare budget
Real plan choice for a distributed or hourly workforce
Low-lift enrollment that HR doesn't have to babysit

Pain today

Double-digit renewal increases on group plans
Employees overwhelmed by plan options and subsidy rules
Compliance anxiety around ICHRA affordability and notices

What AIQ delivers

Guided, AI-assisted shopping that narrows 200+ plans to three
Class-based ICHRA design with affordability checks built in
Live support and reporting HR can hand straight to finance

Buying trigger

A renewal quote that breaks the benefits budget.

"Our employees will be lost buying their own plan."

Every member gets guided compare, subsidy math, and licensed human help — measured by completion rate, not clicks.

Success metric: Enrollment completion rate · benefit spend per employee

How it works

Three screens replace a nine-tab workflow.

Legacy tools stitch together a quoter, a CRM, a dialer, and Healthcare.gov. AIQ collapses all of it into one connected surface — so your agents stop context-switching and start closing.

01
Consumer or agent starts intake
One smart form captures household, income, providers, and Rx. Skip logic hides what doesn't apply.
02
AIQ narrows 200+ plans to 3
Subsidy math, network match, and Rx coverage run in the background. The three best-fit plans surface with reasons.
03
Enroll & retain, automatically
E-sign, EDE submission, and renewal workflows run on rails. Your book doesn't churn on Nov 1.

AIQ workflow — agent CRM and plan comparison

3.2×

Faster time-to-quote vs HealthSherpa

41%

Higher agent close rate

92%

Y2 book retention

<45s

Median intake completion

Head to head

AIQ vs the legacy stack.

Legacy platforms bundle their fees into your commission split, then layer on setup, support, and per-enrollment charges. AIQ replaces all of it with transparent PMPM + transaction pricing — and you keep 100% of every carrier commission.

Capability

AIQ Health Connect

HealthSherpa

HealthPlan.com

Pricing modelPricing

PMPM + transaction

Commission share + fees

Per-member-per-month feePricing

From $1.45

$3.50–$5.00 equivalent

$3.00–$4.50 equivalent

Per-enrollment transaction feePricing

From $2.50

$8–$15 (bundled)

$7–$12 (bundled)

Commission share taken by platformPricing

0% — you keep 100%

Yes (split / override)

Setup & onboarding fee

Included

$5k–$25k typical

$3k–$15k typical

Support tier (24hr SLA, named CSM)

Included

Add-on

Limited

AI-ranked plan match

CMS-registered EDE

Native household intake (no re-typing)

Partial

Real-time provider & Rx cross-check

Partial

Built-in dialer + compliant SMS

Renewal automation for Y2+

Basic

Producer analytics & scorecards

Basic

Consumer-facing white-label site

Partial

Open API + webhooks

White-glove onboarding + responsive agent support

Add-on

Limited

Legacy pricing shown as equivalent PMPM/transaction economics derived from published commission splits and platform fees, 2026. Trademarks belong to their respective owners.

Switch in two weeks

Moving from HealthSherpa or HealthPlan.com? Painless.

We've migrated agencies with 40,000+ active policies without dropping a single renewal. You keep your book, your commissions, and your producer IDs. We handle the plumbing.

Day 1 — Import your book
CSV, HealthSherpa export, HubSpot, Salesforce, or direct DB. We normalize households, policies, and commissions.
Week 1 — White-glove setup
Our team maps your carrier appointments, commission grids, and compliance scripts. You review, we ship.
Week 2 — Live enrollment
Agents log in, start quoting. Renewals continue uninterrupted through AIQ's carrier connections.

Zero switching cost. First 90 days on us if you're moving from a competitor.

Built for agents & agencies

Your best producer, cloned across the whole team.

Every intake follows the same compliant script. Every quote uses the same subsidy logic. Every renewal fires on the same cadence. New hires ramp in a day — not a quarter.

Assign leads by license, state, and language automatically
Real-time supervisor view of every call in progress
Commission reconciliation across all major FMOs
One-click carrier appointment tracking

Apply for agent access

Today · West team

148 enrollments

+22% WoW

M. Rivera

24 enrolled38%

S. Alonzo

19 enrolled31%

J. Park

17 enrolled29%

T. Nguyen

14 enrolled26%

Customers

Agencies that switched aren't going back.

"We moved 12,000 households off HealthSherpa in nine days. AIQ's team handled the migration, our producers didn't miss a single renewal, and close rate jumped 34% in the first OEP."

Marisol Rivera

COO, Meridian Health Advisors

"The AI plan-match is the real deal. Our newest agents are closing at rates our veterans took two years to reach. It's like having a top-1% producer whispering in every rep's ear."

David Chen

Founder, Solstice Health

"The PMPM pricing plus their support team changed our P&L overnight. We were paying hidden fees and commission splits with our old platform. AIQ's total cost is materially lower, and their team actually answers the phone."

Tanya Okafor

President, Palmetto Group

Security & compliance

Built for the toughest privacy officer in the room.

Health data isn't just another dataset. AIQ's platform is architected around HIPAA, CMS EDE, and enterprise SSO from day one — not bolted on.

SOC 2 Type II

Independently audited controls across security, availability, and confidentiality.

HIPAA aligned

PHI is encrypted, access-logged, and BAA-covered for every customer.

AES-256 at rest, TLS 1.3

Every byte encrypted end-to-end. Keys managed in AWS KMS, rotated automatically.

SSO + SCIM

Okta, Google, Azure AD. Provision and de-provision agents in real time.

US-only data residency

All PHI processed and stored in AWS us-east-1 and us-west-2. Never leaves the country.

CMS-registered EDE

Direct connection to the Marketplace API — no consumer redirects to Healthcare.gov.

Pricing

PMPM + transaction pricing. No commission share.

You keep 100% of carrier commissions, overrides, and bonuses. AIQ charges a simple per-member-per-month fee plus a small transaction fee — significantly lower total cost than HealthSherpa and HealthPlan.com.

Producer

Solo agents and small teams getting off legacy quoting tools.

$1.95PMPM

+ $12 per enrollment transaction

AI quoting & compare
EDE enrollment
Basic CRM
Email + chat support

Start free trial

Agency

Growing agencies that need routing, dialer, and analytics.

$1.45PMPM

+ $8 per enrollment transaction

Everything in Producer
Native dialer + SMS
Lead routing
Producer scorecards
Priority phone support

Start free trial

Enterprise

Multi-state IMOs, call centers, and health-tech platforms.

CustomPMPM

Custom transaction fee

Everything in Agency
White-label consumer site
Open API + webhooks
Dedicated CSM
Custom SLAs & white-glove support

Talk to sales

Significantly lower total cost

Legacy platforms hide costs in commission splits, setup fees, and support add-ons. AIQ's PMPM + transaction model is transparent and built to reduce your stack spend.

100%

Commissions kept

Setup or migration fees

24/7

Agent support

FAQ

Questions before you switch.

Most agencies are live in 10–14 business days. We handle the book import, carrier appointment mapping, and commission grid setup. Your renewals continue uninterrupted throughout — no policies get dropped.

20 minutes. Real product. No slides.

See AIQ quote a household in under a minute.

We'll load your state, your book, and your commission structure — then let you drive.

Book a demo Talk to sales