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What happens when…

Sam signed up for insurance on his phone. It took ten minutes.

The employee experience, step by step.

It’s Sam’s first week at a new job.

His boss mentioned ICHRA instead of a group plan. Sam has never heard of it. He’s expecting a confusing process.

The five stages of Sam’s enrollment — invitation, quick survey, budget, pick a plan, covered — are all shown greyed out, because he has not begun yet.

  1. 1 · Invitation
  2. 2 · Quick survey
  3. 3 · Budget
  4. 4 · Pick a plan
  5. 5 · Covered

Five steps. Simpler than he expected.

Illustrative. The whole enrollment, before Sam has started any of it.

Monday, 9 a.m. An email arrives.

A link: “Set up your health benefit.” No forms to print, no phone tree. Sam clicks it on his phone.

The first stage, the invitation, is now filled in and described as an email with a link and no HR office to visit. The remaining four stages stay greyed out.

  1. 1 · Invitation An email with a link. No forms, no HR office.
  2. 2 · Quick survey
  3. 3 · Budget
  4. 4 · Pick a plan
  5. 5 · Covered
Illustrative. Stage one of five — the invitation.

Four questions. Two minutes.

Household size, zip code, date of birth, preferred doctor.

The invitation and the quick survey are both filled in, with the survey described as household size, zip code and date of birth in two minutes. Budget, pick a plan and covered are still greyed out.

  1. 1 · Invitation
  2. 2 · Quick survey Household size, zip code, date of birth. Two minutes.
  3. 3 · Budget
  4. 4 · Pick a plan
  5. 5 · Covered
Illustrative. Stage two of five — the survey Sam just finished.

Sam sees his number: $420 a month.

That’s his employer’s contribution. He browses plans, filters by his doctor, and picks a silver. His share: $80 a month.

Four of the five stages are filled in. The budget stage shows $420 a month from his employer, and the plan stage shows that filtering by his doctor left three plans, of which he picks a silver. A short list beneath splits the monthly cost into $420 from the employer and $80 from Sam.

  1. 1 · Invitation
  2. 2 · Quick survey
  3. 3 · Budget $420/mo from his employer — adjusted for age and area.
  4. 4 · Pick a plan Filters by his doctor. Three plans include her. Picks a silver.
  5. 5 · Covered

The silver plan Sam picked

Employer contribution
$420/mo
Sam’s share
$80/mo
Illustrative. Stages three and four — the budget, and the plan Sam picks with it.

By 10 a.m., Sam is enrolled.

His coverage starts the first of next month — that’s how individual market plans work. But he knows exactly what he’ll pay, which doctor is covered, and what his card will look like. No ambiguity. No waiting for HR to process a form.

Every stage of the journey is now filled in, ending at covered, where payment runs automatically through payroll and the virtual card sits in Sam’s dashboard.

  1. 1 · Invitation
  2. 2 · Quick survey
  3. 3 · Budget
  4. 4 · Pick a plan
  5. 5 · Covered Payment automatic through payroll. Virtual card in dashboard.
Illustrative. All five stages done, in an hour.