The problem: In 2024, HairClub found itself at a crossroads. Employee healthcare premiums had reached $115,000 per month, and another sky-high renewal was just around the corner. The leadership team was presented with a tough reality: Absorb the higher costs or make difficult coverage cuts. But with over 140 employees working in eight states, The solution: HairClub’s broker introduced the Individual Coverage Health Reimbursement Arrangement (ICHRA). Unlike a traditional group plan, an ICHRA would offer the flexibility and cost-control HairClub was looking for—and a scalable solution that wouldn’t force the company to choose between employees and the bottom line. Zorro partnered closely with HairClub’s CFO and broker to run multiple allowance models and contribution strategies, then designed a cost-effective ICHRA plan tailored to their workforce. Zorro supported HairClub through a smooth open enrollment in the fall of 2024, ensuring employees could choose benefits bundles that reflected their personal healthcare needs—without compromising coverage, convenience, or cost savings. Ultimately, the switch put $650k a year back into the business.
Zorro offers modern healthcare benefits made to fit your budget – and your team. Leveraging ICHRA, we help companies move from defined benefit to defined contribution plans, giving you complete cost control while offering your employees more choice.
At Zorro, we are on a mission to revolutionize healthcare benefits by making high-quality, affordable healthcare accessible to all. We believe employers shouldn’t be trapped in outdated, rigid group plans—and employees deserve the freedom to choose healthcare that truly fits their needs.
By leveraging ICHRA and a defined contribution model, Zorro empowers employers to take control of their benefits budget, ensuring cost predictability and smarter allocation of resources. At the same time, employees gain the flexibility to select personalized health plans that align with their unique needs and preferences.
Powered by advanced AI, our platform seamlessly navigates the complexities of the healthcare system, helping employers strategically manage costs while enabling employees to make informed, data-driven decisions.
""Best decision ever." (When asked for 3 words that describe moving Minidoka to an ICHRA with Zorro)."
Fractional People People and Zorro
As a Fractional HR leader, your mission is to design scalable, strategic programs for your clients, yet the unpredictable and costly nature of traditional group health insurance presents an inherent challenge.
Zorro helps you circumvent the annual renewal headache while benefiting everyone involved.
- Your Clients: They unlock absolute budget predictability and ACA compliance through a fixed, tax-free monthly stipend for their workforce.
- Their Employees: By using Zorro’s platform to browse hundreds of individual health plans from top local carriers, they get customized health plans they actually value, plus true plan portability if they ever move on.
- Their Broker Partners: If your client has an existing insurance broker, Zorro supports them rather than replacing them, ensuring they can continue providing consultative guidance and support.
- You (The Fractional Leader): You eliminate the administrative time sinks of benefits enrollment and friction-filled renewals. Zorro's user-friendly portal automates ongoing admin, leaving you free to focus your high-value fractional hours on core talent and retention strategies.