Member Enrollment

Binder Payment Automation for ACA and ICHRA Enrollment

Pay a member’s first binder premium on the carrier’s payment portal, the payment that turns an approved application into an active policy, with a human approving every payment before it’s submitted and payment details that are never stored and never echoed back.

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Overview

What this workflow does

A single-purpose workflow, deliberately narrow: pay one member’s first premium on one carrier’s payment portal, then return the confirmation number. The agent opens the member’s payment page, verifies the member’s name and the amount on screen against your inputs before touching anything, enters the payment details, stops for a human to approve, submits, and reports the confirmation. Different carriers run different rails, some card, some bank transfer only, and each carrier’s portal is its own build against the same workflow.

Payment details are per-run inputs, not stored credentials: they arrive with the execution, are used once, and appear in no output, no summary, and no log. This runs in production today activating real policies for ICHRA members.

How Asteroid runs this workflow

The payment that activates the policy, behind a human gate

An approved enrollment and an authorized payment instruction arrive, Asteroid verifies the member and amount on the carrier's portal before entering anything, and the confirmation lands on the enrollment case, with a human approving every single payment before it's submitted.

Carrier payment portals

How it actually runs

  1. 01Open the member’s payment page from the enrollment handoff.
  2. 02Verify the member name and premium amount shown on the portal against the inputs. A mismatch fails the run before payment details are entered.
  3. 03Enter the payment details for this run: bank transfer or card, whichever the carrier’s rails take.
  4. 04Stop. A human reviews and approves before anything is submitted. No payment is ever made unattended.
  5. 05Submit once, capture the confirmation number, and report it. If the portal’s response is unclear, the run stops and reports exactly what it observed.

An approved enrollment and an authorized binder-payment instruction are ready

  1. Confirmation on the enrollment case

    The confirmation number, amount, and timestamp write back to the enrollment case status; payment details appear in no output, summary, or log.

Member or amount mismatch: The run fails with the portal's exact state attached before any payment data is entered, and a person resolves the discrepancy once. No payment ever runs unattended.

Closing the loop

What lands back in your system

Nobody on your team reads this JSON. Your system does. Each run delivers its record wherever the work already lives, and the loop closes on its own: requests in, records back, no one in the middle.

structured output · json
{
"confirmation_number": "PMT-2026-•••871",
"amount": "$412.36",
"autopay_enrolled": false
}
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The agent’s first rule is written in capitals: this workflow submits a REAL PAYMENT.

That line is verbatim from the production agent’s instructions, and every guardrail follows from it. A payment is never retried, because an unclear result plus a retry is how members get double-charged; unclear means stop and report. Card and bank numbers are never echoed into any output. An unexpected verification prompt means fail, never improvise. Most automation is designed to push through ambiguity; a payment agent is designed to refuse to.

At scale

The last link in the enrollment chain

Binder payment is the last link of the production enrollment chain: a marketplace enrollment or carrier-direct application produces the approved case, and this workflow activates it, one carrier pay-portal build at a time. Category view: the member-enrollment library.

Human in the loop

What escalates to a human

This workflow touches payment data and PHI at once, which is why the posture is the strictest in the catalogue: HIPAA-compliant infrastructure, SOC 2 Type II, a BAA, per-run payment inputs that are never stored, and an audit trail for every execution. Full detail on the security page.

Every single payment.

The human approval before submission is the design of this workflow, not a configuration option.

A member or amount that doesn’t match.

Wrong name or wrong premium on the portal page fails the run before any payment data is entered.

An unclear result.

If the portal doesn’t clearly confirm, the agent reports what it saw and stops. It never retries a possibly-completed payment.

Any verification challenge.

A one-time code or unexpected prompt ends the run; a payment agent that guesses its way past security prompts is not a payment agent you want.

Questions

Frequently asked questions

Yes. The rails vary and the guardrails do not. Different carriers accept different payment methods, some card, some bank transfer only, and each carrier's pay portal is its own scoped build against the same workflow: open the member's payment page, verify name and amount on screen against your inputs, enter the per-run payment details, stop for human approval, submit once, report the confirmation number. Your enrollment handoff and where confirmations land are configuration; the approval gate and single-submission rule are not negotiable.

Every unpaid binder is a member who thinks they’re covered and isn’t yet. The member-enrollment library covers the pipeline that gets them there.

Disclaimer

Third-party names, including government agencies and registries, are used only to identify systems commonly involved in healthcare operations workflows. Asteroid is not affiliated with, endorsed by, sponsored by, or certified by those third parties unless expressly stated. Workflow availability depends on customer authorization, account permissions, configuration, and applicable system terms.