SimplyHRA vs zizzl health: 2026 ICHRA Platform Comparison

SimplyHRA and zizzl health are two ICHRA administration options for employers evaluating individual health benefits. Both combine technology with implementation and employee support, but their current service models and public pricing disclosures differ.

Remember, an ICHRA platform makes the difference between effective employee healthcare and a year full of headaches. If you're in the market for one, SimplyHRA and zizzl health are both worthy of consideration.

This post dissects both platforms, their features, pricing, pros, and cons.

Let's get started.

SimplyHRA vs zizzl health: Quick Comparison

Comparing SimplyHRA vs zizzl health

Before anything else, here's a quick overview of SimplyHRA and zizzl health:

SimplyHRA Overview

SimplyHRA is a clean and intuitive ICHRA platform built for usability, scalability, and cost-effectiveness. It has everything you need to launch your ICHRA plan, onboard employees, and automate reimbursements from day one.

SimplyHRA Pros

• Compliance Administration: SimplyHRA provides plan documents, notices, audit-ready reports, and administration tools after you enter your plan details or complete a consultation.
• Transparent Pricing: With SimplyHRA, you only pay a fixed monthly price per employee (no compliance, setup, or additional administration fees).
• In-App AI Support: While you can reach the SimplyHRA support team via traditional channels (e.g., email and phone), you can rely on the built-in AI chatbot to receive 24/7 assistance without leaving the app.
• Automated Reimbursements Workflow: Reimbursements will be handled by SimplyHRA in the background once employees submit them via the web-based dashboard or mobile app.
• Highly User-Friendly Visual Interface: SimplyHRA's clean and intuitive interface is designed with modern user experience standards (e.g., simplified navigation, clutter-free pages, multi-page setup steps).

SimplyHRA Cons

• ICHRA Only: SimplyHRA currently doesn't support other HRA types, like Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) and Group Coverage Health Reimbursement Arrangement (GCHRA).

zizzl health Overview

zizzl health describes its offering as an integrated ICHRA and benefits administration platform for employers, employees, and brokers. Its current materials emphasize employee plan-selection support, licensed-agent and call-center assistance, contribution modeling, ACA affordability testing, reporting, and a prepaid, payroll-deduct premium process.

zizzl health Pros

• Decision Support: zizzl health says its technology helps employees choose plans and can guide them toward options that cover specific prescriptions or providers.
• Premium Payment and Payroll Support: zizzl health lists a prepaid, payroll-deduct premium process as an included service and payroll-file integration as an available add-on.
• Tiered Support: Foundation includes Success Advocate and concierge support, while Enterprise includes a dedicated Customer Success Team with a Success Manager, Success Advocate, and concierge support.

zizzl health cons

• Quote Required: zizzl health does not publish a complete current price sheet for Foundation, implementation, payroll-file integration, or ACA reporting, so employers should request a written all-in quote.
• Service Model Differences: Foundation relies more on broker-assisted employer self-service, while Enterprise includes customized employee communications and a dedicated Customer Success Team.

1. ICHRA Setup Process

The less laborious the setup process, the better an ICHRA platform generally is.

Of course, offering an ICHRA plan to your employees may take several weeks of preparation. However, that doesn't mean it should be bottlenecked by a messy platform.

SimplyHRA

First of all, employers are highly encouraged to book a private consultation with the SimplyHRA team before building their ICHRA plan. But if they already have a firm understanding of how ICHRA works, they can use the self-service SimplyHRA platform to get their plan underway in less than a day.

With SimplyHRA, the process of building an ICHRA plan is comparable to using any modern web-based app. Just fill in your business details, create class-specific reimbursement plans, onboard employees, configure payments, and you're done.

zizzl health

zizzl health's setup model depends on the service tier. Its Foundation materials describe broker-assisted employer self-service using system tools, a fillable open-enrollment presentation, and a choice of defined enrollment windows. Enterprise includes a dedicated Customer Success Team, a client-specific open-enrollment presentation, a virtual enrollment meeting, distributed employee communications, and a custom 10-day enrollment window within stated parameters.

Across both models, zizzl health lists contribution modeling, ACA affordability testing, licensed-agent and call-center support, benefits administration tools, and real-time custom reporting as included services. Employers should confirm the exact implementation scope and responsibilities in a written proposal.

2. Ease of Use & Support

Beyond the setup phase, ICHRA platforms are meant to make routine tasks a breeze. Whether it's submitting reimbursement requests for employees or tracking utilization rates for employers, you need an ICHRA solution that makes these tasks easy, regardless of technical proficiency.

SimplyHRA

SimplyHRA's beginner-friendly UI is one of its key strengths.

For starters, the platform's navigation and visual elements are structurally consistent across platforms. You don't need to be on your computer to use any of SimplyHRA's features: a huge win for employees who prefer submitting reimbursement requests ASAP via mobile.

Employees can even complete the entire onboarding process on their phones without needing assistance from a broker, plan administrator, or account manager. Plan and service recommendations will be based on their specific maximum out-of-pocket budget, which they'll be able to set within the app.

On desktops, the SimplyHRA dashboard features a clear navigation system that makes important tools and features easy to find. It also includes Quality of Life (QoL) features like an integrated search bar and an AI assistant that enables a productive, self-service experience.

zizzl health

zizzl health combines self-service technology with support. Its employer materials describe employee plan-selection guidance, benefits administration tools, real-time custom reporting, licensed-agent and call-center support, and a premium-payment process designed to feel familiar to employees.

Support varies by service model. Foundation includes Success Advocate and concierge support with a stated 24-hour response, while Enterprise adds a dedicated Customer Success Team and customized enrollment communications.

3. Pricing

ICHRA plans are meant to help businesses save money. This, however, is difficult if you're not sure where your ICHRA platform payments are going.

SimplyHRA

SimplyHRA currently publishes one price of $29 per enrolled employee per month and states that it has no setup, onboarding, platform, or switching fees.

A transparent pricing model ensures your ICHRA budget is airtight. Once you figure out the affordability threshold in your area, it's only a matter of setting a compliant reimbursement allowance model and your ICHRA costs will be fixed throughout the plan year.

zizzl health

zizzl health's current public service-model sheet describes a Foundation model for employers with 1 to 99 enrolled employees and an Enterprise model for employers with 100 or more enrolled employees. It lists an Enterprise buy-up for groups with 28 or more enrolled employees at $15 per enrolled employee per month.

The same sheet lists payroll-file integration and ACA 1094/1095 B/C reporting as add-ons, but it does not state current fees for those add-ons or a complete Foundation price. Request a written, all-in quote and confirm base charges, implementation fees, minimums, included support, reporting, payroll-ready data export, and premium-payment services.

zizzl health's public employer materials say ICHRAs can be offered alongside health FSAs and HSAs, but the current service-model sheet does not publish pricing for those arrangements. Confirm any additional benefits administration, COBRA support, and related fees in the written quote.

Compare written quotes on the same basis: employee count, service model, implementation, payroll-ready data export, ACA reporting, premium payment, enrollment support, and ongoing account support.

4. Reimbursement Management

Managing reimbursement requests and approvals is among the most time-consuming, ongoing tasks involved in ICHRA.

A good ICHRA platform not only makes reimbursement management easy. It should also be equipped with tools for expediting or automating the approval pipeline.

SimplyHRA

First and foremost, SimplyHRA will handle all transactions, compliance concerns, reimbursement approvals, and tracking.

As an employer or plan administrator, your primary responsibility is monitoring reimbursement metrics, from utilization rates to employee plan costs, to prepare for adjustments in the following plan year.

As for employees, they only need to submit their requests and let SimplyHRA handle the rest.

zizzl health

zizzl health describes a prepaid, payroll-deduct premium process intended to feel like a traditional group plan. Its employer FAQ says employers may pay insurers on employees' behalf and payroll-deduct the employee share above the employer contribution. It also describes an alternative in which employees pay the full premium and submit a reimbursement request for the employer contribution.

Employers should confirm which payment method, payroll-file process, funding schedule, and responsibilities apply to their quote.

5. Document Management & Analytics

As far as compliance is concerned, keeping the employer's involvement as minimal as possible is the standard in the ICHRA space. But that doesn't mean they should be barred from accessing essential compliance documents and reports.

SimplyHRA

With SimplyHRA, visual data is baked into key areas of the dashboard. You can track the current state of your ICHRA plan based on the amount of pending reimbursements, overall monthly costs, employee pre-tax deductions, and more.

It's also easy for employers and plan administrators to view, copy, and share their plan documents. Everything they need, including their file inbox, is consolidated in the 'Documents' tab.

zizzl health

zizzl health's current service materials list real-time custom reporting and a benefits administration platform for HR teams and brokers as included services. The same materials list ACA 1094/1095 B/C reporting as an add-on.

Confirm which dashboards, reports, data exports, filing services, and review support are included in the selected service model.

6. Miscellaneous Features

Before we wrap up this comparison, here's a quick look at each platform's extra features:

SimplyHRA

• Integrated AI Assistant: Employers and employees can rely on the SimplyHRA AI chatbot to get 24/7 assistance.
• Visual-First Onboarding: Creating employee classes, onboarding employees, and setting class-based reimbursement allowances can all be done through the self-service interface.
• Immediate Configuration Updates: Changes made to reimbursements, employee classes, and business bank accounts take effect once saved through the app.
• Payroll-Ready Data Export: Manage payroll deductions with clean exports that work with any provider (e.g., Rippling, BambooHR, or ADP), no third-party integration fees.

zizzl health

• Custom Cost Analysis: zizzl health offers a free cost analysis tool that utilizes real market data to highlight your potential savings with ICHRA.
• Tiered Success Support: Foundation includes Success Advocate and concierge support with a stated 24-hour response, while Enterprise includes a dedicated Customer Success Team.
• Marketplace Decision Support: Finally, zizzl health makes tailored plan recommendations to employees based on their preferred deductible amounts, doctors, and HSA usage.

SimplyHRA vs zizzl health: Verdict

Both SimplyHRA and zizzl health administer ICHRAs, but their current public materials describe different packaging, pricing disclosure, and support models.

zizzl health offers Foundation for 1 to 99 enrolled employees and Enterprise for 100 or more, with an Enterprise buy-up available starting at 28 enrolled employees. It may fit employers that want broker-assisted tools or, at larger enrollment, a dedicated Customer Success Team.

SimplyHRA may fit employers that prefer a published $29 per-enrolled-employee monthly price, a single package, self-service tools, payroll-ready data export, and licensed employee guidance. Compare both vendors' current written proposals against employee count, implementation scope, payment workflow, reporting, and support requirements.

Click here to schedule a private consultation to learn more about SimplyHRA's features.