See how much we can actually save you
Sketch your team or upload a census. Every member is priced against every filed 2026 plan in their county, on real rates.
We send the full member-by-member analysis here.
Your census is parsed in your browser and never uploaded; only ages and ZIP codes are sent. If you give us your email, we store it to send your results.
How the audit works.
What does the audit actually compute?
It prices your team, by age and ZIP code, against the real individual-market plans filed with regulators for 2026, and compares that to what employer group coverage typically costs. The result is an honest upper bound, labeled as such, not a quote.
What data do I have to upload?
Ages and ZIP codes. That's all the math needs. You can sketch the team by hand, or drop a census export from Gusto, Rippling, ADP, or any CSV that has ages in it. No names, no health information, no signup.
Is the number a quote?
No. It's an informational estimate against filed rates, labeled 'up to,' and it isn't an offer of coverage or a recommendation to buy any plan. The member-by-member audit that follows is where the real number gets computed.
What is an ICHRA?
The Individual Coverage HRA: a federal arrangement (effective January 1, 2020) that lets a company give each employee a fixed, tax-free monthly allowance to buy their own individual plan instead of carrying one group plan.
New to the model? Read the ICHRA guide, or see what Insurf does for companies.
Insurf, Inc. is not a licensed insurance agency and does not sell insurance; enrollment support is provided by an individually licensed insurance producer, who may be compensated by carrier commissions when an enrollment occurs — that compensation is disclosed on estimates. The audit is an informational cost estimate, not an offer of coverage and not a recommendation to buy any plan. Estimates only; not financial, tax, legal, medical, coverage, or insurance advice.