# How ICHRA brokers get paid and what employers should ask

Canonical reader page: https://ichrareport.com/research/ichra-broker-platform-compensation/

Publisher: ICHRA Report

Originally published: 2026-11-05

Substantively updated: 2026-11-05

Sources checked: 2026-11-04

Data period: 2025–26 partner terms and 2027 carrier schedule reviewed November 4, 2026

[Home](https://ichrareport.com/) [Research](https://ichrareport.com/research/)  How ICHRA brokers get paid and what employers should ask

Provider and broker incentives

Compare carrier commissions, administrator pass-through fees and agent-of-record terms using three documented examples.

At a glance

Evidence  **Public-source analysis**

Event / data period  **2025–26 partner terms and 2027 carrier schedule reviewed November 4, 2026**

Review cutoff  **November 4, 2026**

By [ICHRA Report](https://ichrareport.com/about/) · Published  November 5, 2026

Direct answer

**An ICHRA broker can be paid by an insurer, by an employer or through an administrator’s invoice.**  The fee can depend on the plan, enrollment channel, state or number of people enrolled. Separately, agent-of-record terms determine which broker is associated with the account or policy. Ask for both the payment terms and the service assignment before comparing proposals.

## Three examples of how compensation works

What three public records establish about compensation and broker roles

| Example | What the document says | What the buyer should confirm |
| --- | --- | --- |
| Carrier bonus | Select Health’s 2027 Utah schedule describes a $20 bonus per eligible new or renewing individual-plan member in two installments. Agents must meet a 300-member threshold. Utah residency and enrollment snapshot dates apply. The schedule covers individual plans generally. [source](https://www.selecthealth.org/content/dam/selecthealth/Agents-Brokers/PDFs/utah-agent-commission-cchedule-2027.pdf) | Which insurers pay the broker, whether compensation varies with the selected plan, and whether a volume bonus or renewal commission applies. |
| Broker fee on an administrator invoice | The zizzl and HealthPass partner FAQ describes a broker-set amount added to the standard administration fee, billed as a flat monthly amount or per enrolled employee. The FAQ describes a similar arrangement for a general agent, when applicable. [source](https://go.pardot.com/l/1025473/2025-07-17/wf69rb) [source](https://healthpass.com/wp-content/uploads/2025/07/Plan-Year-2025-26-Pricing-Guide-July25.pdf) | The line-item amount, who receives it, which service it pays for and which workers count toward the bill. |
| Broker stays on record while a partner helps employees | eHealth and BerniePortal’s September 23 announcement describes a workflow where the broker can keep agent-of-record status and eHealth provides licensed individual-plan shopping and enrollment help. The announcement gives no commission schedule. [source](https://ir.ehealthinsurance.com/news/news-details/2026/eHealth-Partners-with-BerniePortal-to-Provide-Integrated-CHOICE-Arrangements-for-Employers-and-Brokers/default.aspx) | Whether the designation applies at the employer or individual-policy level, who receives any commission and who resolves coverage problems after enrollment. |

## What happens if you change brokers?

Get the answer in writing before signing. In the zizzl and HealthPass example, the new broker can gain access after a notice period while the previous broker can continue to receive compensation through the end of the first agreement year. Later-year terms differ. Use the actual contract to establish who receives account data, who gets paid and who supports employees on each date. [source](https://go.pardot.com/l/1025473/2025-07-17/wf69rb)

## How to compare written proposals

1. Ask the broker and administrator to identify each payer, recipient, amount or calculation, and the service it buys. Include carrier commissions, employer fees, pass-through charges, bonuses and renewal terms where they apply.
2. Ask which carriers and plan channels the broker or platform can represent, which eligible options require employees to shop elsewhere, and what support is available for those plans.
3. Compare the cost for the same workforce and service scope. A per-member carrier bonus and a per-enrolled-employee administration fee use different units. Keep both separate from the insurance premium and employee reimbursement.
4. Test a specific case. Ask who helps an employee keep a specialist, fix a first-premium problem or move a policy after the employer changes brokers.

The examples document ways to pay for service and assign responsibility. They do not establish the prevalence of any model or how any specific plan was recommended. The written proposal, available plan list and employee support workflow are the evidence needed for your decision.

Use the [plan recommendation guide](https://ichrareport.com/guides/evaluate-ichra-plan-recommendations/) to check the coverage options and the [provider fee monitor](https://ichrareport.com/research/provider-disclosure-monitor/) to separate dated public fees from the quote in front of you.

## Sources and evidence

[1 Select Health — 2027 Utah agent compensation and bonus programs Utah carrier schedule defines individual-plan bonus eligibility, member units, volume threshold, residency and payments. It is not limited to ICHRA enrollments. Source reviewed 2026-11-04](https://www.selecthealth.org/content/dam/selecthealth/Agents-Brokers/PDFs/utah-agent-commission-cchedule-2027.pdf)[2 zizzl health via HealthPass — Plan-year 2025–26 pricing guide, effective July 1, 2025 Dated partner-distributed Foundation and Enterprise fee schedule with New York surcharge and optional services. Scope is the published edition and channel. Current and 2027 terms require confirmation. Source reviewed 2026-11-04](https://healthpass.com/wp-content/uploads/2025/07/Plan-Year-2025-26-Pricing-Guide-July25.pdf)[3 HealthPass and zizzl health — zizzl health webinar questions and answers Partner material links the dated pricing guide and describes broker and general-agent fees and agent-of-record change treatment for that channel. Source reviewed 2026-11-04](https://go.pardot.com/l/1025473/2025-07-17/wf69rb)[4 eHealth and BerniePortal — Integrated CHOICE Arrangements for employers and brokers September 23 partnership announcement describes licensed employee enrollment support and the ability for brokers to retain agent-of-record status. It does not publish a commission schedule or realized customer outcomes. Source reviewed 2026-11-04](https://ir.ehealthinsurance.com/news/news-details/2026/eHealth-Partners-with-BerniePortal-to-Provide-Integrated-CHOICE-Arrangements-for-Employers-and-Brokers/default.aspx)

Review dates are recorded for each source above. Company pages are useful for confirming how a product is described, but they do not prove service quality or customer results.

## Suggested citation

Cite this page for our analysis. Cite the original linked study or record for its own findings.

ICHRA Report. How ICHRA brokers get paid and what employers should ask. Published November 5, 2026. [https://ichrareport.com/research/ichra-broker-platform-compensation/](https://ichrareport.com/research/ichra-broker-platform-compensation/)