Traditional group health insurance plans often lack flexibility, leading to high premiums and limited choices for both employers and employees. Calculating optimal contributions and navigating the complexities of health benefits administration can be challenging and time-consuming for businesses of all sizes.

The Big Plan offers a SaaS platform that simplifies the implementation and management of Individual Coverage Health Reimbursement Arrangements (ICHRA). The platform provides tools for employers to customize health benefits, control costs, and empower employees to choose the individual health coverage that best suits their needs. By leveraging actuarial data and AI, The Big Plan's solution calculates optimal contribution levels, estimates out-of-pocket expenses, and streamlines enrollment, offering a seamless experience for both employers and employees. The platform's dashboard provides employers with a clear understanding of their financial exposure and enables them to manage benefits and contributions efficiently.

ICHRA estimator backed by mathematicians to calculate optimal contributions based on employee classes, age, and family size

Dashboard for employers to understand financial exposure, control costs, and manage employee benefits

Employee enrollment platform that recommends suitable plans and provides personalized assistance from benefit counselors

Proprietary actuarial data to estimate yearly out-of-pocket expenses for employees

Seamless integration of actuarial guidance with AI

The primary target audience includes small to large businesses seeking to offer flexible and cost-effective health insurance benefits to their employees, as well as brokers looking to provide innovative ICHRA solutions to their clients.

The Big Plan operates on a pay-per-employee model, charging only for employees who actively use the platform, with no hidden fees or long-term contracts.