Benafica is a health benefits and insurance company that helps employers offer flexible, tax-free health reimbursement plans instead of traditional group health insurance.
Partner With Us
Benafica administers CHOICE arrangements (formerly ICHRA) and QSEHRA programs for brokers across the country.
Who Partners with Benafica?
We work with benefits professionals across the country who want to add ICHRA and QSEHRA to their service offering, or who need a better administrator for the HRA business they already have.
- Employee benefits brokers and consultants
- Independent health insurance agents
- Agencies expanding into employer-sponsored benefits
- Broker-dealers and financial advisors serving small to mid-size businesses
Join our Broker Network
Trusted by Leading Benefits Brokerages
You Keep the Relationship, We Take the Rest
Everything that would otherwise mean hiring someone, handled by our team and the BEN360 platform.
Onboarding
Plan setup, classes, allowances, plan documents, and the 90-day notice, done for you.
Enrollment support
Licensed counselors walk every employee through their options, one to one.
Payments
Premium payments, reimbursements, and one consolidated invoice, every month.
Compliance
Plan documents, required notices, substantiation, and ACA reporting support.
Renewals
Annual review, updated allowances, and renewal modeling, ready before you need them.
Client communications
A dedicated account executive for every group, and real people answering employee questions.
Everything You Need to Run ICHRA
Manage your ICHRA clients in one place
Every client, their status, and participant counts in one list.
- Check on your group before a call, without picking up the phone
- See which clients are active and which are still in process
Win the meeting with a tailored proposal
Co-branded proposals built on your client’s real census, ready to present.
- Multiple contribution models, side-by-side
- Employer cost and what each employee pays, in plain numbers
- Affordability testing
Quote individual plans in minutes
Run quotes by ZIP code, age, and household, with the allowance applied.
- See real plan options before the first meeting
- Share the quoting tool with your client in one click
See real-time enrollment and plan data
Invitation status, chosen plans, premiums, and dependents for every employee.
- Follow up on pending enrollments before the deadline
- Open any employee to see their plan and dependents
See every premium payment, as it happens
Dates, amounts, status, and confirmation numbers for every carrier payment.
- Answer “did my premium get paid?” on the spot
- Spot a delayed payment before coverage is affected
Broker Frequently Asked Questions
Have questions about partnering with Benafica? Find answers to common questions about our ICHRA and QSEHRA administration, broker support, and working with us across all 50 states.
Do I stay broker of record?
Yes. You can keep your BOR or AOR when you partner with Benafica. We typically recommend that brokers have experience with individual plan enrollment since you’ll be the one fielding plan and enrollment questions from your clients. If not, that’s okay. Our enrollment team can step in.
How are brokers compensated?
Brokers are compensated through a per-employee-per-month fee that’s built into the client’s contract with Benafica. This gives you an ongoing revenue stream while we handle the administration and support.
Do you market to my clients?
No. We’re a third-party administrator — our business is running programs somebody else sold. We don’t solicit your clients, don’t market other lines to your book, and don’t quote against you at renewal.
What's the smallest group worth bringing you?
We typically recommend considering an HRA when a group has at least 5 employees, since there are administration fees involved. That said, we administer groups of all sizes, from small businesses to groups with several hundred employees.
What if my client already has a TPA?
Yes, we can take over HRA administration mid-year. We’ll review the existing plan, coordinate with the current administrator, and handle the transition of employee and plan information to Benafica. The timeline depends on the group and the complexity of the transition, but most transitions can be completed within a few weeks with the right information in hand.
Do I get access to BEN360?
Yes. Brokers get their own broker role in BEN360, giving you one place to manage and view all of your HRA employers. You can see enrollments and payment activity in real time, then drill into details like employee plan choices, dependents, and participation.
Who handles employee questions after enrollment?
We do. Employees contact Benafica directly for reimbursement, substantiation and coverage questions. Nothing routes back through you unless you want it to.
What happens at renewal?
Before renewal, Benafica will reach out to review your client’s current ICHRA and how it’s working. We’ll discuss whether the current strategy is still a good fit or if adjustments should be made.
If changes are needed, we’ll take the time to re-strategize with you and your client, looking at contribution amounts, employee classes, and other plan details to make sure the ICHRA continues to meet their needs.
Ready to Partner with Benafica?
Bring us the renewal you can’t defend and we’ll tell you honestly whether ICHRA is the answer.