State of ICHRA: What Brokers & Advisors Say About Selling in 2026

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Six years after its launch and on the back end of the enhanced premium tax credit expiration, the Individual Coverage Health Reimbursement Arrangement (ICHRA) has proven more resilient than many skeptics expected. But while ICHRA has survived, is it positioned to thrive? The sentiment among benefits brokers tells a nuanced and critical story for the future of health benefits.

Join us for a comprehensive market status check based on our 2026 survey of over 200 benefits brokers. We'll unpack the latest data revealing how the market is moving forward in a post-tax credit environment. While nearly 93% of brokers still believe ICHRA adoption will increase, two-thirds of those currently selling it have five or fewer clients – and nearly a quarter have scaled to 11+ clients. This session dives into the disconnect, exploring what separates the top-performing brokers from those still testing the waters.

You'll walk away with:

  • Current ICHRA adoption rates and how broker sentiment has evolved since 2025.
  • An analysis of which barriers persist and which market perceptions are shifting.
  • The specific strategies top-performing ICHRA brokers (11+ clients) use to succeed.
  • A clear view of the industry drivers accelerating adoption and the headwinds still slowing it down.

Whether you're evaluating ICHRA for the first time or looking for proven methods to grow your client base, this session will show you where the market really stands—and where it's headed.

Speakers:

Jeff Kirchick | VP of Sales | Zorro
Jeff is a growth-focused sales leader with a passion for scaling teams and delivering results.

As Vice President of Sales at Zorro, Jeff brings over 15 years of experience building high-performing teams and driving revenue at fast-growing startups. He was the first hire at Y Combinator-backed Next Caller, where he built an enterprise sales team, closed multi-million deals with Fortune 500 brands, and helped steer the company through a successful acquisition. Across his career, Jeff has played key roles at companies that achieved exits or went public, always with a focus on authentic, relationship-driven selling.

He's also the author of Authentic Selling: How to Use the Principles of Sales in Everyday Life, an award-winning book that champions trust and transparency as the foundation of modern sales.

Matthew Domagala | Vice President, Product Strategy & Innovation | Ambetter Health SolutionsCentene Corporation
Matthew Domagala is the Vice President, Product Strategy & Innovation at Centene Corporation, a Fortune 500 company and parent company of Ambetter Health. At Centene, Matthew applies his product management focus to drive innovation in the healthcare sphere and build products and partnerships that help organizations succeed. Prior to Centene, Matthew worked in strategic leadership positions at RX Savings Solutions, Empyrean Benefits Solutions, Willis Towers Watson, and United Healthcare. Matthew is also a member of the HRA Council, a non-profit promoting Health Reimbursement Arrangements as a way to offer workers health insurance.

Jackson Lee | Account Manager, ICHRA SME | Lockton
Jackson serves as the Founder's Series subject matter expert on individual coverage health reimbursement arrangements for Lockton, leading both internal and external initiatives related to ICHRA strategy and execution. His work spans education, feasibility analysis, strategic vendor and carrier engagement, implementation management, and ongoing consultative support.
Alongside his SME responsibilities, Jackson manages a focused book of business as an Account Manager, partnering with Account Executives on critical daily service delivery and collaborating with Producers to drive client-centric strategic planning.
He is a graduate of Lockton's Associate Account Manager Program, a rigorous development curriculum designed to build deep expertise across all areas of employee benefits consulting.

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