A smarter way to offer health benefits without overpaying

Traditional group health plans are expensive, rigid, and unpredictable.

ICHRA (Individual Coverage Health Reimbursement Arrangement) gives employers a modern alternative-full control over cost while staying ACA-compliant.

If you have 2 or more employees (including yourself) this strategy can reduce health benefit expenses by 30-70% by offering employees better coverage options.

What an ICHRA does

An ICHRA allows employers to:

• Set a fixed monthly allowance for health benefits

• Reimburse employees tax-free for individual health insurance

• Eliminate surprise premium increases

• Stay fully compliant with ACA regulations

You decide the budget.
Employees choose the coverage.

How an ICHRA works

1. You set a monthly benefit amount
   Choose how much you’re willing to contribute per employee—no minimums, no group contracts.

2. Employees select their own health plan
   They purchase individual coverage that fits their needs—on or off the Marketplace.

3. Reimbursements happen tax-free
   Employees submit proof of coverage and expenses. You reimburse up to the allowance.

4. You remain compliant and in control
   The structure meets ACA requirements and keeps spending predictable.

Why employers are switching

Predictable, controllable benefit costs
Savings of 30–70% compared to group plans
Flexible options for diverse employees
No participation requirements
No annual rate shock
Full compliance without complexity

This is how modern businesses offer benefits without bleeding cash.

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Want to see how this would work for your business and what you could save?

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