Overview
Zorro is a benefits administration platform that enables employers to offer ICHRA (Individual Coverage Health Reimbursement Arrangements) in place of traditional group health insurance. The company serves employers, brokers, and employees in the U.S. health benefits market, operating across all 50 states. Its approach shifts healthcare spending from fixed group plan premiums to employer-defined contribution models, allowing employees to select ACA-qualified individual plans from a marketplace of 100+ carriers.
The platform delivers end-to-end ICHRA administration through SaaS tools covering contribution management, eligibility tracking, compliance, and enrollment. An AI-driven plan selection engine analyzes individual employee needs and recommends suitable ACA marketplace plans. In the 2026 open enrollment period, 84% of enrolled employees completed plan selection autonomously through the AI tool, up from 75% in 2025. The platform is SOC 2 certified and HIPAA compliant.
Founded in 2022 by Guy Ezekiel and Maya Perl, Zorro raised a USD 20M Series A in June 2025 led by Entree Capital, following a USD 11.5M seed round in 2023. Enrollments grew 800% year-over-year in 2025, with documented client savings averaging 20%+ versus traditional group plans.
Products & Services
ICHRA Platform
End-to-end ICHRA administration system that replaces traditional group health insurance with a defined contribution model. Handles the full benefits lifecycle from employer contribution setup through employee plan enrollment and ongoing compliance tracking.
Key Features
- Contribution management and eligibility tracking
- Automated enrollment workflows and compliance reporting
- Support for distributed workforces, Medicare-eligible employees, and dual-coverage households
Target Users: Employers, HR administrators
AI-Powered Plan Decision Support
An AI-driven tool that guides employees through selecting ACA-qualified health insurance plans. Analyzes individual needs and presents personalized recommendations from the carrier marketplace.
Key Features
- Personalized plan recommendations based on employee profiles
- Supports selection across 100+ carriers in all 50 U.S. states
- 84% of enrolled employees completed selection without live agent assistance (2026 OE)
Target Users: Employees
Plan Search Tool
A marketplace search tool giving employees access to ACA-qualified health plans across carriers, metal tiers, and network types.
Key Features
- Coverage across all 50 states and 100+ carriers
- Metal tier and network type filtering
- Integrated comparison view
Target Users: Employees
Plan Design Tools
Structured tools for employers and brokers to configure contribution budgets, define eligibility criteria, and segment workforces.
Key Features
- Defined contribution structuring
- Full-time and part-time workforce segmentation
- Broker-configurable plan parameters
Target Users: Employers, Brokers
Administration and Compliance Tools
Day-to-day ICHRA administration tools covering automated enrollment, regulatory compliance tracking, and reporting designed to reduce HR workload.
Key Features
- Automated enrollment processing
- Regulatory compliance tracking and documentation
- Reporting dashboards for HR and broker use
Target Users: HR administrators, Brokers
Savings Calculator
Online tool for employers to estimate potential premium savings from transitioning from a traditional group plan to an ICHRA model.
Key Features
- Employer-facing cost comparison tool
- Input-driven savings projection
Target Users: Employers
At a Glance
- Founded
- 2022
- Headquarters
- New York, NY
- Employees
- 51-200
- Funding
- Series A
Category & Focus
- Category
- Specialty Solutions
- Subcategories
- Benefits Administration ICHRA Platform AI Decision Support Employee Benefits
- Insurance Verticals
- Health Group Benefits
- Target Customers
- Employers, Brokers, Consumers
Customers
- Minidoka Memorial Hospital -- USD 5M annual savings, 50%+ cost reduction
- HairClub -- 53% annual savings, 60+ available plans offered to employees
- Village Green -- USD 216K annual savings, 30+ available plans offered
Links
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Last updated: 2026-06-21