Enrollme is your simple answer to complicated corporate health insurance. Enrollme delivers the advantages of an ICHRA with a flexible, low-cost solution that gives employees more choice and control while reducing a company's administrative burden, risk, and costs.

Enrollme provides a digital marketplace that makes it easy for employees to explore healthcare plans, choose the one that best fits their needs, and drive employee contributions to that plan. No packages to put together. No open enrollment to manage. No benefits to administer.

With Enrollme, your employees own their health plans. This means they can also take those plans with them should they leave or switch jobs.

This flexibility means you'll be able to virtually eliminate COBRA while drastically simplifying ACA reporting. Fewer compliance requirements also mean lower risk — and associated costs.

Now instead of filling out paperwork, you can focus on engaging employees in reaching your goals. 

With Enrollme, employees have a wide selection of competitively priced health care plans to choose from. Using an intuitive digital marketplace, they also have the freedom to choose the right plan for their needs and budget.  

Meanwhile, businesses can free up more resources to focus on other business-critical activities. With Enrollme, a company will: 

• Spend less time on benefits administration and open enrollment 
• Virtually eliminate COBRA, simplify ACA reporting, and reduce risks 
• Expand your risk pool and determine your reimbursement amounts
• Empower employees to see and control their healthcare costs

Enrollme is a simple, easy-to-adopt hybrid model for employee health coverage that helps keep more money in your employees' pockets

• Offerings of a wide selection of competitively priced health plans
• Tools to choose right-sized plans that meet employees; needs while lowering their costs
• An easy way to see what employees' plans cover and what they're paying for it

A company will see lower costs, too, with the freedom and flexibility to:

• Determine how much to reimburse employees for their medical expenses
• Leverage a much broader risk pool to lower costs
• Drive HR productivity and efficiencies with a lower administrative burden
• Reduce the risk around COBRA and ACA compliance
• Engage employees in controlling their healthcare expenses

Yes. Enrollme is an employee-centric, broker-friendly hybrid approach to employee coverage. Using an intuitive digital marketplace, give your employees easy access to a wide selection of competitively priced health plans from major carriers. Employees select and purchase the right plan for themselves. And you determine your reimbursement amounts.

Enrollme saves even more time with:

• Reduced benefits administration
• Automated employee communications
• Easy-to-read HR reports and dashboards 
• Simplified ACA reporting
• Virtually no COBRA requirements

COBRA is the Consolidated Omnibus Budget Reconciliation Act. It applies to any group health plan maintained by the state or local government or a private company with 20+ employees. 

If employer-based health benefits are lost, COBRA coverage allows you to continue being on your employer's group health plan at your own expense. It also covers your spouse and any dependent children on your health plan.

Yes. Enrollme. With Enrollme, your employees own their health plans. This means they can also take those plans with them should they leave or switch jobs.

This flexibility means you'll be able to virtually eliminate COBRA while drastically simplifying ACA reporting.

You can switch to private insurance only during an open enrollment period. However, you could also change from COBRA coverage if you have another qualifying event, such as marriage or birth of a child.

If you terminate COBRA coverage early without another qualifying event, you must wait to enroll in other coverage until the next open enrollment period.

For those looking for COBRA alternatives, considerations include Obamacare, short-term health insurance, health care sharing ministries, and health benefit insurance.

The success of your organization relies on the talent of your people. To attract the right employees, you need high-quality coverage without the high complexity and costs.

With Enrollme, employees have the freedom and flexibility to choose from a wide range of competitively priced health plans offered by major carriers. Using an intuitive digital marketplace, employees quickly select and purchase the right health plan for their needs and budget. And access all their benefits, billing, and medical information from a central location.

So when candidates ask you about your health insurance, tell them that with EnrollMe, they'll have:

• More choice
• More flexibility
• More money in their pocket
• More reason to work with you

Enrollme lowers the cost of coverage for everyone — employer and employee alike — with an innovative hybrid model. 

Using an intuitive digital marketplace, your employees choose and purchase the right health plan for their needs and budget. They become active participants in lowering the cost of healthcare.

In addition, you determine how much to reimburse your employees every month for their coverage. Leaving you in complete control over how much you spend.

With Enrollme, the company determines how much to reimburse employees for their coverage.

Your employees choose and purchase the right health plan for their needs and budget using the EnrollMe intuitive digital marketplace. 

Your company determines how much to reimburse employees every month for their coverage. Leaving you in complete control over how much you spend.

HRIS stands for "Human Resources Information System." It's software that enables businesses to meet their HR needs and boost manager and employee productivity.

An HRMS stands for "human resources management system." There's a bit of confusion around the term HRMS; some people use it interchangeably with HRIS, while others say it's an expanded version of the HRIS.

An HCM refers to human capital management software. What's the difference between an HRIS, HRMS, and HCM? Technology experts use the term "HCM" to refer to a complete suite of HR applications that runs in the cloud.

With group insurance, an employer typically offers one or more insurance plans from which employees can choose for themselves and, potentially, their dependents. The main advantage of group insurance for employees is that the employer pays a part of the premium on behalf of employees.

Individual health insurance is insurance that people select and purchase on their own. 

Individuals generally use insurance agents or brokers to help them navigate the complex world of plan choices and premium costs.

One of the benefits of individual health insurance is that insurers can't deny coverage based on pre-existing conditions. Moreover, tax credits based on income are available to those who qualify. 

PEO stands for "professional employer organization." A PEO outsources, among other things, payroll, human resources, worker's compensation, and employee benefits. According to SHRM, PEOs typically serve as professional employers of their clients' employees, allowing them to share and manage many employee-related responsibilities and liabilities. 

Yes, there are PEO alternatives. Some PEO alternatives to consider include:  

HROs

You can turn to HROs for specific HR needs. An HRO offers a more affordable, less restrictive option than a PEO.

ASOs

There are also administrative service offerings (ASOs), which manage third-party providers such as health insurers. You choose your third-party provider, and the ASO handles the relationship. The drawback to this arrangement is that the ASO can't guarantee compliance.

ICHRAs or self-directed insurance

As of January 2020, a new type of PEO alternative became available in the form of ICHRAs. WIth an ICHRA, employers provide reimbursement funds to help cover the cost of employee individual health insurance. Employees pick their individual insurance plans, and employers determine the reimbursement amount paid to the employees. EnrollMe is an excellent example of this type of PEO alternative.

ICHRA allows employers to offer tax-free reimbursement for individual

health insurance. Similar to QSEHRA, ICHRA differs because it gives

employers higher limits and greater healthcare plan design flexibility.

Here's a high-level overview of how ICHRA works:

1. Employers design their own healthcare plans, including employee eligibility and reimbursement limits.

2. Employees purchase the plans they want.
3. Employees submit eligible claims for reimbursement.
4. Employers reimburse employees.

Enrollme eases the transition and delivers on the promise of ICHRA with a simple solution. Using a digital marketplace, Enrollme makes it easy for employees to explore and compare healthcare plans that fit a wide range of budgets and needs and contribute to those plans.

Any business, nonprofit, government entity, or religious organization with at least one W-2 employee can offer an ICHRA.

The ICHRA can be offered as a stand-alone benefit or with a group health insurance policy. However, a company cannot provide a choice between group health insurance and an ICHRA to the same group of employees.

ACA health insurance is an individual health insurance plan that meets the "minimum essential coverage" and other requirements of the Affordable Care Act enacted in 2010. Also known as Obamacare, the program's goal was to make affordable health insurance available to a more significant number of people.

• Enrollme puts the employee in the driver's seat of their medical insurance decisions. They now have the power to choose and purchase a plan from dozens of options and multiple carriers. This way, they find a plan that closely aligns with their medical needs without sacrificing any of the benefits of traditional group insurance.  

• All coverage is pre-tax through payroll's nature of premium contributions applied in the Enrollme model. The employee has much greater freedom of choice while now having access to a much more price stable insurance plan.  

• Because the employee is getting their insurance directly from the carrier, they are no longer tied to the inefficiencies of COBRA, which allows them to carry on their plan should they terminate their employment. This permits the employee to carry the same plan indefinitely while dramatically reducing the risk to both the company and the employee.  

• EnrollMe is even flexible enough for individual family members to make different plan choices, which significantly impacts cost reduction for both the family and the business while not sacrificing coverage for those who need it in the family. Simply put, everyone can choose different plans.  

• Employees now have more access to knowledge around health insurance, all in one easy-to-use digital platform.