# Mi-Benefits — ICHRA Benefits Administration Platform

## What is Mi-Benefits?

Mi-Benefits is a Software-as-a-Service (SaaS) platform purpose-built for administering
Individual Coverage Health Reimbursement Arrangements (ICHRA). It is used by benefits
brokers, HR administrators, and ICHRA consultants to manage their client base, automate
employee communications, and streamline open enrollment.

Built by GP2, an AI Venture Studio (https://www.gp2.ai).

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## Primary URL

https://hub.mi-benefits.com

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## Core Capabilities

- **Client Management** — Onboard and manage employer clients with tiered plan support
  (Mi-Benefits standard plan, Mi-Comply compliance plan).
- **Employee Communications** — Send branded email and SMS messages to employees using
  customizable templates and automated cadences. Supports multi-segment SMS (160+ chars).
- **Open Enrollment Automation** — Schedule and deliver multi-touch open enrollment
  communication sequences to employees with deadline tracking.
- **New Hire Onboarding** — Trigger automated onboarding cadences when new employees
  are added, including ICHRA education and enrollment guidance.
- **Benefits Compliance (Mi-Comply)** — Tools for ACA and ICHRA compliance reporting,
  including 90-day notice tracking and allowance model management.
- **Campaign Builder** — Create and send one-off email or SMS campaigns to all clients
  or a selected subset, with audience preview and California SMS compliance filtering.
- **Master & Company Templates** — Maintain a library of reusable email and SMS templates
  at the platform level, with per-client customization.
- **Employee Hub** — A branded self-service portal where employees can access ICHRA
  education, enrollment guidance, and benefits resources.
- **Knowledge Base** — An internal and employee-facing knowledge base for benefits
  articles and FAQs.
- **Forms & Surveys** — Collect structured data from employees and clients via built-in
  form builder with submission tracking.

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## Intended Users

- Benefits brokers managing ICHRA clients
- HR administrators at small and mid-size employers
- ICHRA third-party administrators (TPAs)
- Benefits consultants advising on ACA compliance

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## Technology

- Web application (React, Node.js, tRPC)
- Email delivery via Resend
- SMS delivery via Sinch Conversation API
- Hosted at hub.mi-benefits.com

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## Key Terms & Concepts

- **ICHRA** — Individual Coverage Health Reimbursement Arrangement. An IRS-approved
  employer-funded benefit that reimburses employees for individual health insurance
  premiums and qualified medical expenses.
- **HRA** — Health Reimbursement Arrangement.
- **Open Enrollment** — The annual period during which employees can enroll in or change
  their health insurance coverage.
- **Cadence** — A pre-scheduled sequence of communications sent to employees at defined
  intervals (e.g., 90 days before enrollment, 30 days before, day of).
- **Mi-Comply** — Mi-Benefits' compliance-focused plan tier for employers requiring
  ACA reporting and ICHRA notice management.

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## Creator

GP2 AI Venture Studio
https://www.gp2.ai

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## Contact

For information about Mi-Benefits, visit https://hub.mi-benefits.com