How does StretchDollar work?

StretchDollar is the ICHRA platform built for brokers. You quote, your client sets up in minutes, their employees shop and get reimbursed automatically, and you earn $22 per employee per month while keeping the client relationship and your carrier commissions.

Why ICHRA is the easiest yes for small groups

• Predictable cost for the employer. The employer sets a fixed monthly, tax-free allowance. No group renewal shock and no participation minimums.
• Real choice for employees. Each employee picks the individual plan, doctors and coverage level that fit them, and can add dental and vision.
• Fits groups that group plans don't. Allowances can differ across up to four employee classes (full-time, part-time, salaried and hourly), so mixed and small teams work.
• Compliance built in. StretchDollar generates the ICHRA plan document and required employee notices.

How it works for you

1. Quote in minutes. Paste or upload a census in the Partner Portal. Compare a Flat Rate with Smart Rates (a percentage of a benchmark plan by age and location) across four tiers: Cost Saver, Silver, Gold Standard and Low-to-No Deductible. Save scenarios side by side and export a PDF for your client.
2. Send and finalize. Send the quote to your client. Once it's finalized, they get a sign-up link.
3. Your client onboards. They sign the agreement, verify their bank account and add a payment card. StretchDollar invites their employees.
4. Employees enroll through you. Add your enrollment links by state under AOR Setup, and your clients' employees are sent to your links to enroll. Where you don't add a link, StretchDollar's standard shopping experience is the fallback.
5. Reimbursements run automatically. The employer approves each employee once. StretchDollar pays the first month right away, then moves allowances automatically each month.

You can also add your agency's logo and colors so the experience looks like yours.

How it works for your clients

• Employers set their budget once and approve each employee once. There's no monthly payroll work or receipt tracking.
• Employees get personalized plan recommendations, a side-by-side check against the premium tax credit, dental and vision options, and fast, automatic reimbursements.

How you get paid

• Earn $22 per employee per month (PEPM) for every active employee on your clients' plans.
• Keep 100% of your carrier commissions. You can stay agent of record (AOR) and keep the client relationship.
• No cost to you. The platform is free for brokers.

When you're paid: StretchDollar pays PEPM quarterly, on the 15th, to your agency's bank account connected in the Independent Partner Portal. Payments go to the agency or brokerage, not to individual agents, so your agency pays its agents on its own schedule.

Pricing for your clients

• Employers pay $100 per month plus $25 per participating employee per month. They only pay for employees enrolled in the ICHRA, not everyone at the company.
• No setup fees, no hidden fees and no long-term contract. Clients can cancel anytime.

Get started

Sign in to the Partner Portal at dashboard.stretchdollar.com and run your first quote, or email support@stretchdollar.com and we'll walk you through it.