Spectacle offers a white‑labeled ICHRA administration platform designed for benefits brokers and agencies, enabling them to sell and manage individual coverage reimbursement plans under their own brand while retaining the agent of record. The solution consolidates quoting, enrollment, carrier data across 40+ states, and compliance tools into a single dashboard, delivering real‑time market reports and mobile‑first employee enrollment that typically completes without support calls. This streamlines broker workflows and enhances client advising with instant, data‑driven insights.
Funding
Funding not disclosed
Founders
Product
Problem
Benefits brokers and agencies face fragmented processes when selling Individual Coverage Health Reimbursement Arrangements (ICHRA), including manual data collection, spreadsheet‑based quoting, and difficulty providing real‑time market insights across multiple states.
Solution
Spectacle offers a white‑labeled ICHRA administration platform that consolidates market data, enrollment, and compliance workflows under a broker’s brand. The system aggregates carrier presence, hospital access, and cost dynamics for 40+ states, delivering instant market reports that brokers can use in client meetings. Employees enroll via a mobile‑first, multilingual interface that guides them through plan options without needing support calls. The platform automates reimbursement, payroll integration, and compliance tracking, eliminating the need for spreadsheets and vendor juggling, while preserving the broker’s agency of record.
Target Audience
Primary customers are benefits brokers and agency teams that sell ICHRA and other individual coverage plans to employers across the United States.
Features
- Real‑time market intelligence across 40+ states, including carrier availability, hospital networks, and cost scenarios
- Fully white‑labeled proposal, enrollment, and communication tools that keep the broker’s branding and agency of record
- Mobile‑first, multilingual enrollment experience designed for users with varying health‑literacy levels
- Automated reimbursement processing, payroll integration, and compliance workflow management
- Integrated voice‑powered benefits guidance that answers routine employee questions 24/7 in English and Spanish
- Consolidated dashboard for quoting, adjusting scenarios, and tracking group administration without spreadsheets