Insurf

See how much we can actually save you

Sketch your team or upload a census. Every member is priced against every filed 2026 plan in their county, on real rates.

We send the full member-by-member analysis here.

Try the sample census

Your census is parsed in your browser and never uploaded — only ages and ZIP codes are sent. If you give us your email, we store it to send your results.

Real 2026 on-exchange rates for the county shown (CMS and state marketplace public use files). ICHRA model: every member shops all county plans, priced at their age (New York community-rates every member, so age does not change the premium), unsubsidized. The headline is the best-case bound and is always labeled “up to”; a premium comparison, not a benefits-equivalence claim. Group cost defaults to the KFF 2025 average, not a quote for your company. Runs are stored as derived data only — the ages used, ZIP codes, and results; never names, birthdates, or file contents.

Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions. This is an informational cost estimate — not an offer of coverage and not a recommendation to buy any plan.

Estimates only; not financial, tax, legal, medical, coverage, or insurance advice.

How the audit works.

What does the audit actually compute?

It prices your team — by age and ZIP code — against the real individual-market plans filed with regulators for 2026, and compares that to what employer group coverage typically costs. The result is an honest upper bound, labeled as such, not a quote.

What data do I have to upload?

Ages and ZIP codes — that's all the math needs. You can sketch the team by hand, or drop a census export from Gusto, Rippling, ADP, or any CSV that has ages in it. No names, no health information, no signup.

Is the number a quote?

No. It's an informational estimate against filed rates, labeled 'up to,' and it isn't an offer of coverage or a recommendation to buy any plan. The member-by-member audit that follows is where the real number gets computed.

What is an ICHRA?

The Individual Coverage HRA — a federal arrangement (effective January 1, 2020) that lets a company give each employee a fixed, tax-free monthly allowance to buy their own individual plan instead of carrying one group plan.

New to the model? Read the ICHRA guide — or see what Insurf does for companies.

Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. The audit is an informational cost estimate — not an offer of coverage and not a recommendation to buy any plan. Estimates only; not financial, tax, legal, medical, coverage, or insurance advice.