Free to sign up. No setup fees.
Replace your group health plan with ICHRA. $45 per employee per month, billed only when employees are on the platform.
No setup fees. No platform fees. No IRS filing fees. No annual document fees.
🔒 Next step is a quick payment setup with Stripe — ACH or card. You're not charged anything until an employee enrolls in coverage and reaches their effective date. Employees who opt out don't count.
Transparent pricing.
One simple plan. Free until you add employees, then a flat fee per employee, per month.
BenefitX
- ✓Private-branded marketplace at your-name.benefitx.com
- ✓ICHRA plan documents auto-generated and updated
- ✓1095-B IRS e-filing included
- ✓Employee enrollment + reimbursement portal
- ✓COBRA, ALE, PCORI, HIPAA compliance built in
- ✓Dedicated licensed advisor for your team
- ✓Payroll deduction tracking + opt-out handling
🔒 Quick Stripe payment setup next. Nothing charged until an employee enrolls and starts coverage.
From signup to enrolled employees in days, not months.
Sign up free
Free to start. We collect your payment method up front but don't charge until you add an employee.
Add your team
Set ICHRA classes, add employees, configure allowances. Each employee gets a private marketplace and licensed advisor.
Pay $45/employee
PEPM begins on the first billing cycle after employees are added. Plan docs, IRS filing, and compliance are all included.
ICHRA vs. traditional group health
Why our small-employer clients are switching.
Everything is included.
No add-on fees, no per-document charges, no surprise filing costs.
White-label marketplace
Your-name.benefitx.com — branded with your logo and your assigned licensed advisor.
Plan documents
ICHRA Plan Doc, SPD, Schedule A, Required Notice, Substantiation. Auto-generated, auto-updated.
1095-B IRS filing
We file the IRS forms for your covered employees. No separate fee.
Licensed advisor for your team
A real human licensed broker employees can call for plan selection help.
Employee enrollment
Self-service portal where employees pick plans, submit reimbursements, view documents.
Payroll deduction handling
Track per-employee deductions, opt-outs, defined contribution conversions automatically.
COBRA + ALE + PCORI
Qualifying event tracking, FTE counts, Form 720 reminders. All compliance baked in.
HIPAA-grade security
BAA in place, AES-256 encrypted SSNs, AWS BAA infrastructure, audit log on every action.
Free to start
Signup costs nothing. PEPM begins only when you add your first employee.
Frequently asked questions
What does "free to sign up" actually mean?
You can create your BenefitX account and configure your plan without paying anything. We collect your payment method during signup, but you're not charged until you add your first employee. Once you do, the $45 PEPM kicks in on the next monthly billing cycle.
What if I sign up but don't add employees?
Your account stays free. After 90 days of zero employees, we send a reminder. After 180 days we hibernate the account. You can always reactivate by adding an employee.
Are credit cards accepted?
Yes. ACH (bank transfer) is the default and recommended option because the fees are lower. Credit cards work too if that's your preference.
Can I cancel anytime?
Yes. There's no annual contract. Cancel from your portal and your subscription ends at the end of the current billing cycle.
How do employees pick plans?
Each employee gets a personalized marketplace at your-company.benefitx.com. They browse health, dental, vision, and Medicare options for their ZIP code, or talk to your assigned licensed advisor for one-on-one help.
Ready to ditch your group plan?
Sign up free. No setup fees. We'll be there when you're ready to add your first employee.
🔒 Stripe collects ACH or card next. We charge nothing until an employee enrolls in coverage and reaches their effective date.