Solutions

ATMA PMF Solutions

ICHRA thought leader. Strategic General Agency partner. Modern benefits platform. Broker growth engine.

Solutions

ATMA PMF Solutions

ICHRA thought leader. Strategic General Agency partner. Modern benefits platform. Broker growth engine.

Benefits Transformation Journey

A Better Way to Control Healthcare Costs

ICHRA offers a modern solution that allows employers to provide health benefits while maintaining full control of their healthcare budget.

Instead of sponsoring one expensive group plan, employers set a defined monthly allowance for employees to purchase the individual health plan that best fits their needs.

Predictable Healthcare Budgets

Employers determine exactly how much they contribute, eliminating unpredictable renewal increases.

More Choice for Employees

Employees select from a wide range of individual health plans based on their doctors, prescriptions, and personal needs.

Scalable for Any Workforce

Works for businesses of nearly any size — remote teams, multi-state workforces, and seasonal employees.

Tax-Advantaged Contributions

Employer contributions remain tax-free for employees and tax-deductible for businesses.

Compliance & Simplicity

Meet ACA requirements while offering a modern benefit structure that adapts as your workforce evolves.

ICHRA for Brokers

Protect Clients. Grow Revenue. Stay Ahead of the Market.

Clients facing 15–25% annual renewal increases often look for alternatives. Brokers who can guide them through ICHRA will become indispensable advisors.

Save High-Risk Accounts

ICHRA provides a lifeline for employer groups facing significant rate increases or participation requirements.

Expand Your Market

Serve small employers, startups, remote companies, and businesses that couldn't afford traditional group plans.

Increase Revenue

When employers transition to ICHRA, brokers often expand into voluntary benefits, wellness programs, and ancillary coverage.

Strengthen Relationships

Providing strategic solutions positions brokers as long-term advisors rather than simply policy providers.

Why ATMA PMF

A Strategic Partner for Brokers and Employers

ATMA PMF is more than a benefits administrator. We serve as a General Agency and strategic partner helping brokers and employers design smarter healthcare strategies.

Our mission: Help businesses deliver better benefits while solving the healthcare cost crisis.

End-to-End ICHRA Implementation

From affordability modeling to employee education and enrollment, ATMA PMF manages every stage of the transition to ICHRA.

Broker-First Partnership Model

We work alongside brokers as a strategic partner, supporting their clients while preserving and enhancing the broker relationship.

General Agency Product Platform

Access a broad portfolio of solutions: voluntary benefits, gap products, wellness programs, DPC, telemedicine, and more.

Flexible Solutions

Is ICHRA Right for Your Business?

ATMA PMF helps brokers support clients wherever they are in their benefits journey.

• Hybrid benefit models

• Defined contribution approaches like ICHRA

Our role is to help brokers and employers find the right strategy for the right situation.

Benefits Ecosystem

A Modern Benefits Ecosystem

The future of healthcare benefits isn't a single product. It's an ecosystem of solutions designed to control costs, improve employee health outcomes, and create long-term sustainability.