iPlanRx HSA Wealth Builder — Employer Illustration Tool

🏢 Employer & Quote Information

Step 1 of 4

Company Name

Effective Date

TPA / Platform Partner

State

TPA Annual Setup Fee ($) One-time annual platform fee

TPA Monthly Admin Fee ($) Per-month platform administration

Broker Monthly Fee ($) iPlanRx advisory fee

Per Employee Monthly ($) Per-employee per-month charge

📥 Import TPA Census Export

Step 2 of 4

ℹ️

Upload your Zizzl / TPA census export.
This file contains employee demographics and ICHRA contribution amounts already calculated by your platform partner. Supports CSV exports from Zizzl, Enrichly, and similar TPAs.

📋

Need to convert data from another platform?

Download the iPlanRx Census Template — it contains all required column headers in the exact format this tool expects. Paste your data into the matching columns, save as CSV, and upload above.

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Drop your TPA Census CSV here or click to browse

Accepts .csv exports from Zizzl, Enrichly, Vitable, or similar ICHRA platforms

💰 Current Group Health Plan Costs

Step 3 of 4

⚠️

Enter the current group plan costs by coverage tier.
This allows us to calculate the premium savings for each employee when switching to ICHRA. The employer cost savings become the foundation of the HSA Wealth Builder illustration.

Current Plan Name

Coverage Tier	Total Monthly Premium	Employer Pays	Employee Pays
Single (EE Only)
Employee + Spouse
Employee + Child(ren)
Family

📈 HSA Wealth Builder Settings

Step 4 of 4 — Final step before results

💡

This is where the magic happens.
Configure how each employee's premium savings flow into their HSA account and model how inflation compounds your savings advantage over time.

💰 HSA Contribution Method

How should employees fund their HSA each month?

All Premium Savings → HSA

Employee's monthly premium savings go directly to HSA

Custom Monthly Amount

Specify a fixed monthly HSA contribution

🎁 Employer HSA Contribution

Annual Employer HSA Seed ($) Annual employer contribution to each employee's HSA

📊 Premium Inflation Rates

Historically, group plans inflate faster than individual market rates — this is what compounds your savings advantage.

Group Health Annual Increase (%) Typical: 6–10% per year

ICHRA / Individual Annual Increase (%) Typical: 3–6% per year

💹 HSA Investment Growth

Expected Annual Return (%) S&P 500 historical average: ~7–10%

Projection Period (Years) How far into the future to project

Average Annual HSA Spend ($) Estimated annual medical spend from HSA

Employer Illustration: Your Company

ICHRA + HSA Wealth Builder Analysis — Empowering better Health and Wealth decisions

$0

Current Annual Cost

$0

ICHRA + Fees (Year 1)

$0

Year 1 Employer Savings

$0

Avg EE Monthly Savings

$0

5-Year Cumulative Savings

Current Group Plan Cost

$0

Annual employer spend

ICHRA Total Cost (Year 1)

$0

Allowances + all fees included

Year 1 Employer Savings

$0

💼 ICHRA Cost Breakout — What's Included in Year 1

Cost Component	Monthly	Annual	% of Total

📅 5-Year Employer Cost & Savings Projection (with group / ICHRA inflation)

Year	Group Plan Cost	ICHRA Total Cost	Annual Savings	Cumulative Savings

✅ Employer Benefits

👤 Employee Benefits

Disclosure: This illustration is for informational purposes only. Projections assume the inflation rates and investment returns entered above and are not guaranteed. Actual savings will vary based on individual plan elections, claims experience, and market conditions. Tax-free reimbursement of individual premium must conform to a plan design that complies with ACA Sections 2711 and 2713. Consult a licensed benefits advisor before making plan decisions.

iPlanRx · 111 N. Broadway Ste C · Green Bay, WI 54303 · 877-571-7710 · www.iplanrx.com

💼 ICHRA Cost Breakout

Annual Employer Cost — Group Plan vs. ICHRA (All-In)

10-Year Employer Cost Projection (with Inflation)

💵

Employee Premium Savings
Each employee's monthly payroll deduction when moving from the group plan to ICHRA. These savings can flow directly into their HSA.

Employee	Age	Tier	Group EE Cost	ICHRA EE Cost	Monthly Savings	Annual Savings

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HSA Wealth Builder — Long-Term Accumulation
Monthly HSA contributions growing at the modeled rate, minus estimated annual medical spending.

Employee	Age	Monthly → HSA	Year 1	Year 3	Year 5	Year 10	Year 20	Year 30

Average Employee HSA Balance Growth

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Multi-Year Savings Projection
As group premiums inflate faster than ICHRA, the employer's savings advantage compounds significantly over time.

Year	Group Plan Cost	ICHRA Cost	Annual Savings	Cumulative Savings

Cumulative Employer Savings — 10 Years

i PlanRx

ICHRA + HSA Wealth Builder Illustration