Zizzl Health

Overview

zizzl health is an ICHRA solution from Milwaukee-based zizzl. Footer/legal on broker materials: “zizzl® health—a division of zizzl® llc” and “zizzl Insurance Services CA #6010041.” LinkedIn (third-party profile data) lists the company as founded in 2016 and headquartered in Milwaukee; treat LinkedIn headcount/funding as unverified for this entry.

The product is an Individual Coverage HRA: the employer does not pick one group carrier; it sets a contribution and employees choose individual plans. zizzl’s homepage says the experience “feels like a traditional group plan, yet includes all the benefits of an ICHRA,” with a hassle-free premium payment process and employee decision support.

Go-to-market is broker-protected on public broker pages: “While competitors go direct to employers, we never will.” Implementation is sold as a short path: request a free analysis, zizzl prepares a plan/savings view, configure on their technology (“live in minutes, not weeks or months”), then launch.

Key Capabilities

• Free, no-obligation ICHRA cost analysis using employee and current-benefits information.
• Employee shopping with simplified language and decision support so members pick carrier, network, and coverage level.
• Employer contribution; any premium above that amount is payroll-deducted on a pre-tax basis, “just like a regular group health plan.”
• How-it-works FAQ describes two premium methods in general ICHRA terms: (1) employer pays carriers and payroll-deducts the employee share, or (2) employee pays the full premium and submits reimbursement. zizzl’s marketing emphasizes the first, group-like path.
• ACA: ICHRAs can meet the availability test and, with a proper contribution structure, the affordability test. zizzl says clients are “full ACA compliant with zizzl Health” when structured that way.
• COBRA applies for employers subject to ERISA; zizzl states state continuation does not apply.
• FAQ: ICHRA can be compatible with a healthcare FSA and/or HSA depending on design.
• FAQ: employers of any size may offer an ICHRA to full-time and part-time employees “as well as independent contractors.” Independent-contractor ICHRA eligibility is a legal/tax question; do not treat the FAQ line as advice.
• Broker tools: co-brandable materials, plan-selection tools, live support, and payroll connectivity.

Integrations & Ecosystem

Broker-resource copy cites payroll connectivity with 20+ platforms. A public named list of those platforms was not captured on the pages reviewed. Individual-market carriers are selected by employees; zizzl notes that participating insurers and state footprints change by plan year.

Distribution is through brokers rather than a published employer-direct self-serve checkout.

Pricing

Administration fees are not published. The commercial entry point is a free cost analysis. The repeated claim that “most employers save 20% or more on their renewal costs when switching to the ICHRA model” is zizzl marketing, not a price.

Notes & Limitations

• Confirm whether a given group will use carrier-direct / payroll premium collection or employee-paid reimbursement; both appear in zizzl’s educational FAQ.
• Independent-contractor participation language on the how-it-works page may not match ERISA/ICHRA class rules; have counsel review.
• “Live in minutes” is a vendor implementation claim, not a measured SLA.
• 20%+ renewal savings, employee-testimonial quotes, and “20+ payroll platforms” are vendor-reported.
• CA license number is published for zizzl Insurance Services; confirm resident/nonresident licenses for the group’s states.
• “National” is inferred from nationwide ICHRA positioning; individual-market plans remain ZIP-specific.

Sources

• https://www.zizzlhealth.com/
• https://zizzlhealth.com/employers
• https://zizzlhealth.com/how-it-works
• https://info.zizzlhealth.com/broker-resources