The ICHRA administrator built for brokers

ICHRA. Finally built for brokers.

Every group priced. Every proposal drafted. Every account still yours. Fifteen seconds, not three weeks.

See what your book is worth Request a pilot
$20 per member, published No commissions taken You stay agent of record
Your book
01 — The problem

Weeks of admin.

Fifteen seconds.

Renewal quotes, class design, affordability tests, notices. It all still happens. You just don't do it.

3 weeksthe old way
15 swith Hopie
Renewal
Quote
Census
Notice
Affordability
Classes
Plan doc
Coral Springs DentalProposal ready
Save $31,200 / yr
Classes4, auto
Allowance$775 PMPM
Compliance4 / 4
Agent of recordYou
02 — How it works

From census to proposal. 15 seconds.

01 / 07

Connect the payroll.

Gusto, ADP, Rippling, or a CSV. One connection, no forms, no back-and-forth.

02 / 07

The census is already here.

Ages, ZIP codes, tiers and classes, read straight from payroll. Nothing to type.

03 / 07

Classes, built automatically.

Hopie detects full-time, part-time, seasonal and remote, and sorts every employee. You approve.

04 / 07

AllowanceIQ finds the number.

The optimal allowance per class: affordable for every employee, efficient for the employer.

05 / 07

Compliance, locked.

ACA, MEC, affordability and notices, checked before anything leaves your desk. Everything safe.

06 / 07

Your commissions, computed.

Your margin plus carrier commissions, on the plans you're actually appointed on.

07 / 07

Proposal ready.

One document, ready to send. Agent of record: you.

Done

Seconds. Not weeks.

Everything a renewal used to take, done before the coffee cools.

Connect
Census
Classes
AllowanceIQ
Compliance
Commissions
Proposal
Done
0.0sHopie runtime
01 · Connect the payroll
Hopie Connect
Payroll · Census · Classes
G
A
R
P
CSV
Connected48 employees3 counties
02 · The census
Census
Read from payroll
0lives, read
BrowardMiami-DadePalm Beach
Y. Perez3833071FT
I. Zamora5333445FT
A. Silva2533321FT
J. Villalobos +13233351FT
E. Nguyen +15133071PT
N. Perez4528202Remote
M. Rojas +24133172FT
03 · ICHRA classes
ICHRA classes
Auto
Full-time
0
Part-time
0
Seasonal
0
Remote
0
YP
IZ
AS
JV
EN
NP
MR
LS
DV
CR
AP
KM
RG
TL
SB
OM
Hours, ZIP and payroll type decide the class. You approve before anything moves.
YPIZASJV+3943 employeesSorted by AI
04 · AllowanceIQ
AllowanceIQ
Optimal, per class
$0per member, per month · full-time
Full-time$775
Part-time$520
Seasonal$410
Remote$690
Affordable for all 43$31,200 under the group billYou approve
05 · Compliance
Compliance
Trust Kernel
0/ 4
ACA MEC Affordability 90-day notice
Every proposal passes through three compliance agents before it leaves your desk.
06 · Commissions
Commissions
48 lives · appointed plans only
$0to you, per year, on this group
Carrier commissions · $25 PMPM$14,400
Extra, through Hopie · $20 PMPM$11,520
Total to you$25,920
per member$45
Carrier $25Hopie $20
07 · Proposal
Proposal
PDF · 6 pagesReady
Coral Springs DentalICHRA proposal · 48 lives · Sept 2026
Agent of record: you
Savings vs. the group plan
$31,200/ yr
Group
ICHRA
Classes
4auto
Allowance
$775PMPM
Compliance
4 / 4
Your revenue
$25,920/ yr
Full-timeSilver Choice HMOcardiology in network$0 after allowance
Part-timeBronze Saverlowest premium$0 after allowance
VB
Prepared by Valerie BesereniAgent of record · VB Besereni Insurance
Send to employer
Done
Seconds.
Not weeks.
3 weeksthe old way
0 swith Hopie
03 — The promise

What Hopie does.

01 / 06

Prices every filed plan.

Each member, in their own county, at their own age, on real 2026 rates. Through HealthSherpa.

02 / 06

Pulls the census from payroll.

Ages, ZIPs, classes and tiers arrive through Finch. No spreadsheet round-trips.

03 / 06

Filters to your appointments.

Only plans you're appointed on reach a proposal. Nothing goes out that won't pay you.

04 / 06

Runs affordability, per employee.

Against each person's lowest-cost silver plan. Flags the ones that matter.

05 / 06

Guides every employee to enrolled.

Plan choice and enrollment, one by one, with you named as their agent.

06 / 06

Shows you the losing answer.

When the group plan still wins, Hopie says "keep it," with the gap in dollars.

Broward County
196 filed plansAge 38
Silver Choice HMO
Cardiologist in network
Best year$412 / mo
Bronze Saver
Lowest premium
High deductible$289 / mo
Silver Select PPO
Wider network
+$1,900 / yr$498 / mo
Gold Complete
Low deductible
+$2,600 / yr$571 / mo
Bronze Basic
Out of network for cardiology
Flag$276 / mo
Hopie Connect
Synced
Payroll
Census · 48
Y. Perez3833071FT
I. Zamora5333445FT
E. Nguyen +15133071PT
N. Perez4528202Remote
J. Villalobos +13233351FT
Appointment filter
6 carriers in county
ACarrier AAppointed
BCarrier BAppointed
CCarrier CNot appointed
DCarrier DAppointed
ECarrier ENot appointed
FCarrier FAppointed
Affordability
Allowance $775
EmployeeLowest silverAfter allowance
Y. Perez$412$0Affordable
I. Zamora$688$0Affordable
A. Silva$318$0Affordable
E. Nguyen +1$1,240$465Flag · opt-out
Guided enrollment
Y. Perez
1Plans ranked by her real year
2Silver Choice picked
3Application submitted
✓Enrolled
Agent of record: you
Kendall Auto Body · 17 lives
Renews in 61 days
Group plan today
$121,400
ICHRA, best case
$123,500
Keep the group plan
Group still wins by $2,100. Re-checks at next renewal. You keep the account either way.
And in writing

What it never will.

This is the column that decides whether the account stays yours. It's in the broker agreement, not just on this page.

  • Nevertakes a commission.
    Carrier commissions go to the appointed agent. Hopie is a platform fee, nothing else.
  • Neversells to your client.
    Distributed through brokers and agents only. Employers reach Hopie through you.
  • Neverreplaces you as agent of record.
    Applications are submitted under your license, on every plan, every year.
  • Neverholds money.
    Employees pay their carrier directly. The employer reimburses through its own payroll.
  • Neverdecides a reimbursement.
    The employer makes every final call. Hopie prepares the paperwork.
  • Neverasks an employee for a bank account.
    No card, no wallet. Premium differences are handled by payroll deduction.

Your clients stay yours. In writing.

Read the broker agreement
04 — Their employees

Their employees get one tap.

No portal to learn. No bank account to connect. Your name on the screen.

9:41
Good morning, Yesenia

Your coverage

Coral Springs Dental · ICHRA
$775/ mo
Monthly allowance · renews Jan 1
Recommended for you
S
Silver Choice HMO
Dr. Alvarez, cardiology · in network
You pay $0 / mo
Select
B
Bronze Saver
Lowest premium · higher deductible
You pay $0 / mo
Select
VB
Valerie B. · your agentCall or text any time
Home
Plans
Card
Help
You're enrolled

Silver Choice HMO starts Jan 1. Valerie will confirm within 24 hours.

Done
05 — Hopie Switch

Bring the whole book.

Every group you already have on another platform, moved to Hopie. No lost data, no gap in coverage, no starting over.

Zorro
Take Command
Thatch
Uppo

Hopie SWITCH

Transfer your book of business. In minutes.

Your book · migratingGroups move in the order you choose
0 / 4
Coral Springs Dental · 48 lives
from Zorro · Broward
Proposal ready
Doral Logistics · 23 lives
from Take Command · Miami-Dade
Proposal ready
Aventura Realty · 31 lives
from Thatch · Miami-Dade
Enrolled
Kendall Auto Body · 17 lives
from Uppo · Miami-Dade
Keep group
Lives moved0
Carrier commissions$0
Extra, through Hopie · $20 PMPM$0On top of what the carrier already pays you. This is the Hopie difference.
06 — Pricing
$0/ member / mo

Published. Paid by the employer. Your margin on top.

Platform fee to Hopie$20 PMPM
Your marginYou set it
Setup, base, compliance feesNone
Carrier commissions100% yours
Pilot pricingLocked, in writing
07 — Your revenue

What one group is worth to you.

Every assumption is a slider. The $20 is the only number Hopie controls.

On top of Hopie's $20. You set the price the employer sees.
Use your appointed carriers' real schedule.
Estimated revenue to you, per year
$27,000this group
Per month
$2,250
Employer's platform line
$24,000 / yr
Hopie keeps
$12,000
Your platform share
$12,000
At $0 margin and $0 commission this earns you nothing. Hopie says so before a proposal goes out.
How this is computed

Lives × (your margin + carrier commission) × 12. Carrier commissions are paid by the carrier. Hopie takes none. The employer's platform line is lives × ($20 + your margin) × 12. An estimate, not a guarantee.

Every ICHRA platform is racing to replace you. We built the one that works for you. The broker is the channel. The agent of record is the customer. And Hopie gets paid only when you do.

Valerie Besereni and Francisco Laprea, Hopie co-founders, in front of the wall where Hopie was designed
Francisco LapreaCo-founder · Chief Product Officer
Product, design, architecture
Valerie BesereniCo-founder · CEO
Top 100 Cigna agent, U.S.
08 — Founders · Built in Miami, on this wall
09 — Questions

The questions brokers actually ask.

Real questions from Valerie's network. Real answers.

MRDo I stay agent of record?Broker · Doral
Yes, on every plan, every year. Applications go in under your license. Hopie is not an agency and cannot be agent of record on anything.
JCWhat if the group plan is still cheaper?Agent · Hialeah
Then Radar says "keep it," with the gap in dollars, and re-checks at the next renewal. You don't lose the account by moving it to a worse deal.
APWhich carriers and states?Broker · Kendall
Every on-exchange plan filed in the member's county, priced through HealthSherpa. Florida first, Broward and Miami-Dade at launch. Other states follow the pilot.
LSWhat about employees on Medicaid or a subsidy?Agent · Coral Springs
An affordable ICHRA offer ends premium tax credit eligibility, so the allowance has to be designed with that in mind. Hopie runs the test per employee, flags where it matters, and lets the employee opt out when that's the better outcome.
DVWhat's in the pilot?Broker · Brickell
Pilot pricing locked in writing, hands-on migration of your first groups through Hopie Switch, and a direct line to the founders. In return: honest feedback and a case study when the first group renews.

Bring one group. See what it's worth.

A written number for a real group, with the math attached, before you commit to anything.

Florida brokers and agents. We reply within one business day.