Predictable costs
You set a contribution amount, you control the budget — no more renewal surprises, no more annual rate hike shock. Your benefits budget is fixed and the savings vs. traditional programs like group health are real, commonly 20–50%.
National Advisor Network · powered by ICHRAOS
Amazing Health Benefits. True Choice.
You give your team a tax-free monthly allowance. They choose the plans they actually want and need. A local Eligo advisor supports them and handles every detail.
- Takes 60 seconds
- No login required
- Real carrier rates in your ZIP
Plans available from major carriers including
Blue Cross Blue ShieldOscarAmbetterCenteneUnitedHealthcareCignaWellpointMolinaMedical MutualCareSourceand more!
Four Reasons Employers Across the Country Choose Eligo
A modern alternative to group health delivering optimal benefits backed by a national advisor network and an AI-driven technology platform that makes it all possible.
Real employee choice
Each employee chooses the plan that best fits their needs, their goals, and their budget. No more “one-size-fits-all.” Flexible, personal, and portable.
Local advisor, national reach
Eligo advisors are top of their class. An advisor in your state handles everything from setup, employee education, and enrollment support to ongoing service throughout the year. The perfect balance of incredible expertise, exceptional support, and amazing outcomes.
Best-in-class technology
An AI-driven administration platform with intuitive plan shopping for your team, a dynamic recommendation engine, and a management dashboard you’ll actually enjoy using — all powered by ICHRAOS, the operating system behind every Eligo personalized benefits program.
How Eligo works
From Predicament to Predictable
in Three Easy Steps
1
You set a monthly allowance
Your advisor helps you set a tax-free monthly contribution strategy for every employee. Flexibility to adjust by classes such as full-time, part-time, geographic location, etc. The optimal program for you AND your employees!
2
Employees shop and choose
Employees choose between ACA health insurance plans from major carriers in their ZIP — or even from alternative options that can help drive their costs down even more. Your Eligo Advisor + our AI recommendation engine help ensure the best fit for budget, family needs, and healthcare goals.
3
No cumbersome reimbursements
Eligo’s powerful platform automates premium payments to carriers. Your advisor provides payroll integration or deduction reporting and ensures employees are always covered.
Your Eligo advisor is hands-on through all three steps — and stays involved for renewals, employee questions, and compliance updates.
One brand. Many advisors. One platform.
National network · local advisors
A real person in your state.
Backed by a real platform.
Eligo is a national network of independent benefits advisors operating under one trusted brand and one shared platform. When you sign up, you’re paired with a local advisor who knows your state, your carriers, and your industry — so you have a single person to call. They’re backed by enterprise-grade technology and a team behind it that handles compliance, payments, and platform ops 24/7.
- Local expertise
State-specific carrier knowledge, rating areas, and ICHRA rules. Your advisor has done this dozens of times in your market.
- National scale
Platform-level investments — carrier integrations, plan recommendations, compliance updates — that no single advisor could afford on their own.
- Managed for you
Setup, employee education, payroll integration, monthly reimbursements, renewals — all handled. You get a dashboard; not a checklist.
The Market is Moving
Group health is getting more expensive.
ICHRA and alternative personalized benefits
is how the math finally works.
Industry stats from independent sources — what every CFO benchmarks against.
$25,572
Average annual family premium for employer-sponsored coverage in 2024
KFF Employer Health Benefits Survey 2024
+6.7%
Average annual premium increase for employer-sponsored health plans in 2024
KFF Employer Health Benefits Survey 2024
21M+
Americans now enrolled in ACA marketplace coverage — the plans your team picks from
HHS / CMS 2024
500K+
Employers expected to offer ICHRA by 2027 (5x growth from 2024)
HRA Council projection
Talk to an Eligo advisor
Real Numbers,
Real Strategies,
Real Impacts.
Simply tell us a bit about your team and a local advisor will run a detailed analysis and design a custom program based on your workforce and your goals. No cost and no commitments — just a 20-minute conversation about options and if/how ICHRA makes sense for you and your team.
- Personalized savings analysis vs. your current plan
- Side-by-side carrier + plan availability in your ZIP
- Compliance walk-through (notices, plan year, payroll)
- Honest answer on whether ICHRA fits your situation