Use Cases

This section outlines how to use our modular endpoints—Quote, APTC Estimation, and Enrollment Deeplink—to power flexible ICHRA workflows.

Our endpoints are designed to be composable. You can implement them individually or in combination based on your platform’s needs.

Use Case Overview

Workflow	Endpoints Used	Description
Quote Only	POST /quotes	Power plan comparison experiences, affordability tooling, and ICHRA Class Optimization.
APTC Only	POST /aptc_estimate	Estimate on-exchange subsidy eligibility for affordability tooling and ICHRA Class Optimization.
Deeplink Only	GET /ichra/off_ex or POST /ichra/off_ex	Use Deeplink-based flows for minimal-input enrollments
Webhooks	Submission Confirmation + Policy Status	Set your system up to receive update notifications on application submission and policy updates.
Full Experience	All Endpoints	Power affordability tools, class optimization tools, member shopping, and enrollment with each endpoint.

Example Workflows

Shop & Enroll

Power Employee Shopping and Agent Enrollment ICHRA experiences

1. Generate Quotes

   Call POST /quotes to retrieve ACA plans for the employee's household. Use this to power your ICHRA plan shopping experience.

2. Capture Selections

   Allow employees to browse and queue their preferred plan selections for agent review. Store relevant plan and member metadata.

3. Create Deeplink for Enrollment

   Once selections are confirmed, call POST /ichra/off_ex for each employee application to allow agents to securely, and with minimal data entry, enroll and bind each application in HealthSherpa’s interface.

4. Stay Up to Date

   Receive notification updates when enrollment applications are submitted by agents and when policy statuses change.

Power Affordability Tooling and Class Optimization

Power Employer ICHRA Program Setup, Employee Shopping, and Agent Enrollment ICHRA experiences

1. Define Employer Strategy

   Gather the Employer's and/or Agent’s objectives—e.g., affordability targets, allowance ranges, geographic constraints, or broker-servicing preferences.

2. Generate Plan Pricing

   Use the POST /quotes endpoint to retrieve the lowest-cost silver plan (LCSP) for each eligible employee, based on their age and home zip code.

3. Model Affordability Scenarios

   Use affordability insights to propose an ICHRA class strategy that meets both:

   • IRS affordability requirements

   • The employer’s budget and policy goals

4. Enable Enrollment When finalized, use POST /ichra/off_ex (Deeplink API) to redirect agents to complete each employee's enrollment on HealthSherpa.

5. Stay Up to Date

   Receive notification updates when enrollment applications are submitted by agents and when policy statuses change.