The ICHRA platform built for brokers serving small businesses
Offer every client under 50 employees a modern, compliant health benefit — without the group plan headaches. StretchDollar's ICHRA platform is the most affordable option built for small businesses and the brokers that serve them.
One platform. Three tailored experiences.
ICHRA Broker Portal
Build a quote, enroll a client, and track their policy — all in one portal.
Takes minutes, not weeks. And it's completely free to get started.
Simplest quoting experience available
Get a client from quote to active in minutes
Follow the full client journey in one place
Monitor enrollment, make changes, and stay informed
You maintain agent of record (AOR)
You stay the trusted advisor
Earn commission
Receive PEPM plus keep the agent of record (AOR) if you want to
Admin Dashboard
Straightforward benefit management
No carrier negotiations, no participation rules, no annual enrollment headaches
Build your ICHRA policy
Set a pre-tax budget per employment group, add optional family scaling, and determine your waiting period
Add employees and invite them to enroll
Send invites directly from the dashboard. We take it from ther
Approve reimbursements in one click
Review and approve employee premium submissions — then it runs automatically every month.
Year-end compliance? Handled
IRS paperwork and reporting is in your portal
Benefits Portal
Employees own their health
No one's needs are the same, so why is their health plan? With StretchDollar, employees choose an individual plan that fits their life & unique needs — and get their premium reimbursed tax-free by their employer every month.
Self-service or guided
The shopping experience is as hands on as they want it to be.
30+ ACA-compliant options on average, wherever the employee lives.
Access to national and local carriers
Employees submit their proof of coverage, employer approves, and payments run automatically — month after month.
Tax-free reimbursements for premiums
Plan stays with them
Because they own the plan, employees keep their coverage even if they change jobs.
Everything brokers need to sell ICHRA to small businesses
Your clients get an easy-to-use, affordable benefit. Employees get to choose a plan that works for them. You get a scalable, low-touch book of business. Win,win,win!
Dedicated Broker Portal
Manage your small business ICHRA clients from one dashboard. Easy-to-use quoting tool, self-service onboarding for your client, and track enrollment.
Build ICHRA quotes in minutes
Customize the proposal to your clients goals, and collect feedback directly in your portal.
Most affordable platform
Industry leading affordability, at only $100/mo platform cost + $25/PEPM. No hidden fees.
Compliance on autopilot
IRS year-end paperwork, ACA compliance, and eligibility rules — we handle it all automatically.
Maintain AOR
Seamlessly connect your brokerage links to be the point-of-contact for employee shopping.
Same-day policy activation
Small businesses can accept their quote, build a policy, and have employees invited all in one day.
From quote to active policy in 3 easy steps
No paperwork marathons. No carrier negotiations. Just a fast, clean setup your clients will love.
Send your client a quote.
Run a quote by entering basic business info and employee details. Take about 5 minutes.
Pre-populated Onboarding
Once the quote is confirmed, the client begins onboarding — half the work is done! Employees are invited to shop plans or reach out for support.
Reimbursements on autopilot
Payments, IRS compliance, and year-end reporting run automatically. You stay in the relationship. We handle the administration.
Pawsitively
“StretchDollar has been such a blessing. Your customer service is amazing, the onboarding, everything. It's just so easy.”
Owner & COO @ Pawsitively
Direct ACH reimbursements = more simplicity, reliability and choice.
No extra accounts. No debit cards. Just money in the bank.
Built exclusively for small businesses under 50
Most ICHRA platforms are built for enterprises — then awkwardly scaled down. We understand that SMBs have unique needs and designed an experience that works for them.
Real businesses. Real results.
Brokers and business owners share their stories.
Gallagher
“Being able to quote clients so quickly has made a huge difference—for me and my clients.”
Producer @ Gallagher
Pawsitively
“StretchDollar has been such a blessing. Your customer service is amazing, the onboarding, everything. It's just so easy.”
Owner & COO @ Pawsitively
Zoocade
“My favorite thing [about StretchDollar] is I can pick my very specific budget of how much I'm going to spend on health care for the employees.”
CEO @ Zoocade
Righteous HR
“Our clients juggle a million things. StretchDollar takes away that burden while giving employees real choices. It’s a breath of fresh air.”
CEO @ Righteous HR
No two businesses are the same. Neither are their policies.
Endless ways to customize your ICHRA policy.
Design your policy with up to 4 distinct employee groups
Full-time, part-time, hourly, salaried — set a different allowance for each
Choose your ICHRA start date
Start any time of year
Enable family scaling to provide more for dependents
Automatically increase allowances for employees with dependents
Add waiting period for new employees
Set a window before new hires become eligible
Common questions about ICHRA
What health insurance plans can employees choose with an ICHRA?
Employees choose the individual health plan that's right for them—not one selected by their employer. They can shop both on and off the ACA Marketplace from leading national and regional insurance carriers available in their area.
That means employees can choose the doctors, hospitals, networks, and monthly premiums that best fit their needs while employers simply provide a tax-free monthly allowance.
What is an ICHRA (Individual Coverage Health Reimbursement Arrangement)?
An ICHRA is a modern employer-sponsored health benefit introduced in 2020. Instead of purchasing one group health plan for everyone, employers provide employees with a monthly allowance to purchase the individual health insurance plan that best fits their needs. The result is more choice for employees and more predictable costs for employers.
How does StretchDollar's small business health insurance platform work?
StretchDollar helps small businesses (and the brokers that support them) offer and manage ICHRA from start to finish.
Our platform handles plan administration, compliance, employee onboarding, reimbursements, and ongoing support. Employees can shop on or off the Marketplace, and licensed shopping specialists are available if they'd like help choosing a plan.
Is ICHRA a tax-advantaged health benefit?
Yes. Employer contributions are tax deductible, and reimbursements for eligible employees are tax-free.
How much does StretchDollar ICHRA cost?
StretchDollar ICHRA costs $100 per month, plus $25 per participating employee per month. There are no setup fees, hidden fees, or long-term contracts, and you can cancel anytime.
What states do you serve?
All 50 states. Whether your employees work in one state or across the country, StretchDollar can support your team.
How much should I contribute toward employee health insurance?
There's no required contribution amount.
You decide the monthly allowance based on your budget and benefits strategy. Many employers start with a fixed monthly contribution that fits comfortably within their overall compensation budget. Need some guidance? Check out our budget map here.
Is there a minimum participation requirement?
No. Unlike traditional group health plans, StretchDollar's ICHRA doesn't require a minimum percentage of employees to participate. It's designed for employers with 1–50 W-2 employees.
Is ICHRA a good alternative to traditional group health insurance?
Yes. For many small businesses, ICHRA offers more predictable costs, greater employee choice, and simpler administration than traditional group health plans. Instead of selecting one plan for everyone, employers provide a monthly allowance and employees choose the individual health plan that works best for them.
The easiest way to offer ICHRA
Built for brokers. Designed for SMBs. Customized for you.
