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BEN360: The ICHRA Platform Built for Transparency
We listened to feedback from employers, HR teams, and brokers to build a better ICHRA experience.
360° benefits visibility
Employee plan-shopping experience
SOC 2 & HIPAA compliant
Fully managed by us. Fully visible to you.
BEN360 is the platform behind every ICHRA Benafica administers, so you always know exactly where enrollment stands, and exactly where every dollar went.
Core Features
Stop chasing your administrator for payment details
Know exactly where every dollar goes — from your bank account to your employee’s insurance carrier.
- Carrier payment tracking with dates, amounts, and confirmation status
- Downloadable payment history across any date range
- Flagged and delayed payments surfaced before coverage is affected
An enrollment experience employees will love
We make the transition to ICHRA easy. During enrollment, BEN360 gives employees an intuitive shopping experience:
- Browse dozens of health plans available in their local area
- Compare plans side-by-side
- Enroll directly through the platform
- Schedule time with a licensed counselor for help
Know where every employee stands, in real time
Employers and brokers track the whole roster from one dashboard — no status emails, no waiting on a weekly report.
- See who's been invited, who has accepted and who hasn't signed up yet
- Enrollment progress from sign up to plan selection and enrollment confirmation
- Plan and contribution details to see carrier, plan type, contribution amount and payroll withholding
Download the data you need, when you need it
No report requests, no turnaround time, no version confusion.
- Full roster with enrollment status, plan details, and contribution amounts
- Invoice reports with ICHRA administration fees and employer contributions
- Carrier payment reports detail every payment sent to carriers
Our support doesn't stop after open enrollment
Benafica provides hands-on, year-round administration covering new hires, terminations, qualifying life events, and compliance.
- Virtual and in-person employee information sessions
- One-on-one licensed counselors
- Annual benefit review and strategy realignment
Manage every entity from one login
Dealer groups, franchises, and multi-branch employers don’t want one login per EIN. BEN360 handles multiple companies and locations from a single account, with roll-up reporting across all of them.
Security and compliance
HIPAA
Safeguards sensitive health and benefits information throughout enrollment, reimbursement, and administration.
SOC 2
Security practices designed to protect the confidentiality, availability, and integrity of sensitive data.
ICHRA Compliance Support
Built to simplify the administrative, reimbursement, and reporting requirements of a well-run ICHRA.
ACA Reporting Readiness
Organizes the employee and coverage data needed to support annual ACA reporting.
Role-Based Access Controls
Helps ensure users access only the information and tools appropriate to their role.
Claims Substantiation
Protect tax-advantaged reimbursements with consistent documentation and review of eligible expenses.
Who BEN360 is for
Employers
Full oversight of your ICHRA benefit: enrollment status, plan details, payment tracking, and reporting — without relying on your administrator for every detail.
Brokers
Complete transparency into every group you manage. See the same data employers see: enrollment progress, plan selections, carrier payments — so you can serve clients proactively.
Employees
A smooth enrollment experience: browse and compare plans, enroll with confidence, and schedule time with a licensed health counselor if you need guidance.
Multi-entity employers
Dealer groups, franchises, and multi-branch banks and credit unions: manage every EIN and location from one login, with roll-up reporting across the whole organization.
Getting started
From first conversation to first premium payment, most employers are live in 45-60 days.
Discovery
Census review, current spend, and renewal timing.
Plan Design
Classes, allowances, and affordability modeling if you’re an ALE.
Documents
Plan document, SPD, and the employee notice on the required timeline.
Communication
Employee education and comms plan before enrollment opens.
Enrollment
One-on-one support for every employee choosing a plan.
First Payment
Premiums paid to carriers, tracked to confirmation in BEN360.
Switching from another ICHRA administrator
Can I switch mid-year?
Yes. You don’t have to wait for a plan year to end or for open enrollment. We’ve moved employers mid-year without a lapse in coverage.
What do you need from my current administrator?
List exactly what you request — current census, allowance schedule, plan documents, payment history. Being specific here makes the switch feel small.
What happens to in-flight enrollments?
Employees already enrolled keep their plans — the policies are theirs, not your administrator’s. We take over premium payment and servicing from the transition date.
How do you prevent a coverage gap?
plan documents, payment history. Being specific here makes the switch feel small.
How do you prevent a coverage gap?
Describe the overlap and verification process. This is the fear that keeps unhappy customers where they are — name it and defuse it.