Insurf vs. Zorro.
Zorro is a broker-distributed ICHRA platform with heavily automated shopping — it advertises that most employees choose a plan without human intervention — and a prepaid card for premium payment.
Every Zorro fact on this page is from their own published pages as of August 28, 2026, quoted and linked. If something has changed, tell us and we will correct it the same week.
Where Zorro is strong.
A comparison you can trust has to be honest in both directions. These are real advantages, plainly stated.
Enrollment automation — a genuinely slick self-serve shopping flow that scales without headcount.
The broker channel. Zorro is built to be sold by benefits brokers, with tooling brokers like.
A payments card for premiums, so employees don't front the money — plumbing Insurf deliberately does not replicate (we run reimbursements through your payroll instead of holding funds).
Pricing, as published.
Zorro
Not published. Zorro's pricing is quote-gated behind a demo as of August 28, 2026; broker compensation varies by arrangement.
Source, August 28, 2026Insurf
A flat per-employee platform fee, quoted in writing before you sign — and the savings audit is free before any commitment. We never hold plan funds; reimbursements run through your own payroll.
How our numbers are computedAfter enrollment, in their own words.
The question that separates ICHRA platforms is not the enrollment flow — it is what the platform is still responsible for in March.
“84%+ choose a health plan without human intervention”
That is Zorro's own published employee-experience metric (as of August 28, 2026) — the company optimizes for how few humans an enrollment needs. Its site describes premium payment cards and an explanation-of-benefits viewer; we found no published claim, denial, appeal, or prior-authorization support commitments.
What Insurf does differently.
Published prices versus a demo gate. Insurf's audit is free and self-serve, our methodology is public at /methodology/pricing, and the platform fee is quoted flat, in writing. Zorro's pricing is not published, as of August 28, 2026.
What the automation optimizes. Fewer humans per enrollment is a cost metric; Insurf's engine optimizes the employee's twelve-month total cost across 15,062 filed variants — and shows the arithmetic per person.
After enrollment, Zorro's published materials describe payment and EOB-viewing tools; Insurf's denial support is a clinical appeals engine producing source-cited appeal packets.
The questions companies comparing us to Zorro ask.
How much does Zorro cost?
Zorro does not publish pricing; as of August 28, 2026 its site routes pricing questions through a demo request, and broker compensation varies. If you are quoted a number, ask for it in writing per employee per month and compare it to written quotes from platforms that publish theirs.
Zorro says most employees enroll without human help. Is that good?
It is genuinely impressive automation — and worth asking what the automation optimizes. An enrollment that needed no humans and a plan that costs the least by December are different achievements. Insurf's engine prices the whole year per person and shows the math; where a human matters — like a denial — we built the clinical machinery rather than the deflection.
We were shown Zorro by our broker. Can we still evaluate Insurf?
Yes — the audit is free, takes minutes, and produces the per-person arithmetic your broker can check against /methodology/pricing. Brokers keep their role either way: enrollments through Insurf are submitted by an individually licensed insurance producer.
The fairest comparison is your own roster.
Competitor names and marks belong to their owners; Insurf is not affiliated with or endorsed by Zorro. Competitor facts reflect their published pages as of August 28, 2026 and may have changed — corrections are welcome and made promptly. 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. This page is an educational comparison — not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Projections are labeled and are not guarantees.