SimplyHRA vs Zorro: ICHRA Management Compared 2026

TL;DR

SimplyHRA and Zorro are both modern ICHRA management platforms that serve slightly different priorities. While SimplyHRA focuses on simplicity, self-service administration, and predictable pricing, Zorro prioritizes advanced analytics and broker-friendly tools.

Key takeaways

• Platform focus: SimplyHRA is built purely for companies adopting ICHRA, while Zorro is positioned as an ICHRA + defined contribution benefits solution for both employers and brokers.
• Pricing differences: SimplyHRA costs $29 per employee per month (fixed), while Zorro relies on custom quote-based pricing.
• Support & tooling: SimplyHRA combines 24/7 AI assistance with phone, email, and live video support, while Zorro offers concierge-style support options, broker-focused tools, and its own AI assistant.

What is ICHRA?

Individual Coverage Health Reimbursement Arrangement (ICHRA) is a Custom Health Option and Individual Care Expense (CHOICE) Arrangement that emphasizes flexibility and cost predictability.

An ICHRA plan allows employers to set fixed monthly reimbursement allowances, which can be tailored to different employee classes. At the same time, employees are given autonomy to choose their own health insurance plan as well as pay for eligible medical expenses using their ICHRA allowance.

SimplyHRA vs Zorro: Quick Comparison

Comparing SimplyHRA vs. Zorro

Let's dive into the details to uncover the differences between SimplyHRA and Zorro:

SimplyHRA Overview

SimplyHRA is built for simplicity and efficiency, just the way ICHRA management is intended to be.

It features a user-friendly, drag-and-drop interface that lets you complete ICHRA administration tasks within minutes. This includes employee onboarding, configuring benefits, and managing reimbursements.

SimplyHRA Pros

• Transparent pricing
• Modern, cross-device interface
• Hands-off compliance and document generation
• Developed purely for ICHRA
• Integrations with payroll and HRIS systems
• Built-in AI assistant
• Personal onboarding support

SimplyHRA Cons

• Only for ICHRA
• Third-party integrations library still growing

Zorro Overview

Zorro is a tech-centric ICHRA administration solution for businesses and brokers. It includes AI-assisted reimbursement plan creation, benchmarking, and a plethora of other Quality of Life (QoL) features.

Zorro Pros

• Streamlined interface for different user types
• Real-time quoting for brokers
• Concierge compliance filing
• Digital, AI-assisted onboarding
• In-depth financial reporting

Zorro Cons

• Steep learning curve due to data and modeling options
• Variable, enterprise pricing structure

1. ICHRA Setup Process

As ICHRA platforms, both SimplyHRA and Zorro avoid the messy renewal cycle of traditional group insurance. However, the setup process between platforms looks completely different.

SimplyHRA

SimplyHRA is primarily a self-service platform, but offers 1:1 plan setup support upon request. In other words, you can choose between an expert-led setup and the DIY route via the user-friendly dashboard.

While your choice determines your setup experience and implementation timeline, either option guarantees a hassle-free process that even non-technical users will glide by.

For example, if you choose the DIY route, you simply need to enter your business details, define your reimbursement model for each employee class, add your employee details, and let SimplyHRA handle the technical, paperwork-related tasks in the background.

Zorro

While SimplyHRA offers a self-service option, Zorro aims to be a turnkey solution that requires minimal direct involvement.

After ingesting your company data (e.g., employee zip codes, salaries, and age groups), the platform automatically calculates project costs and recommends monthly allowances that fit your healthcare objectives. And, just like SimplyHRA, Zorro will also handle time-consuming tasks related to compliance and legal documentation.

2. Ease of Use & Support

ICHRA management platforms are essentially designed to ease healthcare administration. It's only natural to evaluate their usability as well as the quality and convenience of their user support options.

SimplyHRA

One of SimplyHRA's key advantages is its built-in AI assistant, capable of answering questions, providing status updates, and guiding employees on core platform features 24/7/365.

Of course, users — regardless of technical acumen — can easily navigate SimplyHRA's minimalist and straightforward app interface. Submitting reimbursement requests, for example, is a guided experience that can be done alongside tracking your remaining allowance.

This leads to another design principle that a lot of businesses and brokers often overlook. By keeping the user experience consistent across devices, it turns plan administration from an end-of-month headache into a manageable, one-minute task that both employees and employers can easily take on.

Aside from the AI assistant, SimplyHRA's support team is also reachable via phone, email, and live video call. You can also rely on the website's ever-growing library of learning resources to answer questions and expand your general ICHRA knowledge.

Zorro

Zorro also offers an in-app AI assistant, which can guide you through the entire pipeline — from plan design to reporting. The platform also includes AI-powered budgeting tools, which automatically analyze your company's workforce and financial data to optimize budgets across employee classes.

Apart from AI-driven support tools, Zorro offers a comprehensive lineup of traditional channels, including live assistance, direct email, and a help center for self-service support.

Finally, Zorro is equipped with QoL features designed specifically for brokers, including automated tools for:

• Data-driven quoting
• Proposal creation
• Portfolio management
• Plan benchmarking

3. Pricing

Cost predictability, transparency, and affordability are all hallmark characteristics of ICHRA. As such, it's crucial to pick a platform that's consistent with these principles at all levels.

SimplyHRA

SimplyHRA uses a straightforward, fixed pricing model that costs $29 per employee per month.

That's it — there are no plan administration fees, one-time setup fees, compliance charges, or other hidden surprises.

Remember that, as an employer, you also need to worry about the affordability rule and threshold in your location. Paying a fixed price to your ICHRA management provider is one less thing to worry about.

Zorro

When it comes to pricing, Zorro does not prioritize transparency. Rather than a flat per-employee or platform fee, it focuses on tailored pricing based on the company's profile.

You can request a quote by filling out a request form, which involves entering your HQ location and employee count.

While quote-based pricing isn't exactly ideal for small to medium businesses, it can provide a better deal than flat-rate pricing for large businesses. That's taking into account the administrative load of onboarding and servicing a large workforce, as well as generating compliant reports.

4. Reimbursement Management

In ICHRA, managing the reimbursement pipeline is one of your sole responsibilities as an employer/plan administrator.

Here's what your life would look like with either SimplyHRA or Zorro:

SimplyHRA

Good news: with SimplyHRA, the reimbursement pipeline is just a matter of monitoring budgets and utilization rates.

SimplyHRA handles the entire lifecycle from start to finish, including reimbursement approvals, recording, and compliance tracking. Your main concern will be to think about plan adjustments for the following year.

Employees, on the other hand, will be responsible for submitting reimbursement requests through the SimplyHRA app. Again, this can be done through the mobile interface, making it doable within minutes.

Zorro

While SimplyHRA emphasizes the self-service option with management assistance offered to those who need it, Zorro focuses on offering a more hands-off experience to employers.

After onboarding employees and handling their reimbursement requests, Zorro works in the background by tracking balances, reviewing reimbursement submissions, ensuring compliance, and generating audit-ready logs.

As for employers, the remaining task at hand is approving reimbursement requests and releasing payment via payroll or Automated Clearing House (ACH) tools. This can be done through the employer or plan administrator portal.

Note: Both SimplyHRA and Zorro use virtual cards to automate premium payments. This feature is available at the employee's request.  

5. Analytics & Reporting

Just because ICHRA management can be made effortless doesn't mean employers and plan managers should be completely hands-off with their plan. Data visibility and accessibility are still crucial for ensuring compliance, reimbursement efficiency, and employee healthcare success.

SimplyHRA

Data visualizations are woven seamlessly into the SimplyHRA management dashboard.

At a glance, stay updated with your pending reimbursements, monthly costs, deductions, and more. No need to dig through multiple layers of menus or pages to find the insights you need.

Here are some examples of the data points you can track via the SimplyHRA dashboard:

• Monthly budget and costs
• Reimbursements pending
• Reimbursements per employee
• Tax deductions

SimplyHRA also houses all your compliance and plan documentation inside a unified document management tool.  

Zorro

Compared to SimplyHRA, Zorro's utilization of data analytics and reporting is more "forward."

The platform offers real-time data visibility from plan design all the way to ongoing compliance monitoring, featuring visualizations that quickly translate data into actionable insights.

Some of the datasets you can monitor through your Zorro portal are:

• Enrollment and participation statistics
• Reimbursements and allowance utilization
• Premium amounts and autopay status
• Monthly budget

SimplyHRA vs. Zorro: Verdict

SimplyHRA and Zorro are two of the elite ICHRA management platforms in the market.

If you're looking for flexibility and in-depth control without having to take on more administrative burden, SimplyHRA edges out Zorro by a considerable margin. This is especially true if you value simplicity and cost-efficiency in your ICHRA plan administration.

However, Zorro might be more practical if your company fits a certain profile — the kind that has a diverse, hybrid, and diverse workforce — that requires AI-assisted ICHRA plan structuring and optimization.

Leaning towards SimplyHRA?

Don't hesitate to schedule a personalized demo or book a 1:1 consultation here to learn more. Cheers!

Note: Competitor pricing and feature details are summarized from public sources as of July 2026 and may change. Always confirm current pricing directly on each provider’s website.