ICHRA (Individual Coverage Health Reimbursement Arrangement)
Affordable, flexible healthcare made simple with our easy-to-use platform. Set your budget, and employees choose their plan. ACA-compliant and perfect for high-turnover industries—save costs, attract, and retain top talent.
Your employees benefit from:
Choice:
Freedom to choose from thousands of ACA marketplace plans.
Portability:
Own their plan and take it anywhere.
Tax-Free Savings:
Every dollar reimbursed goes directly to healthcare—no income tax deductions.
You benefit from:
Cost Control:
Fixed, predictable reimbursements with no minimum participation requirements.
Tax Advantages:
Contributions reduce payroll tax liability, and reimbursements are tax-deductible.
Compliance Made Easy:
Full ACA compliance-solutions with minimal administrative effort.
Flexibility:
Offer dental, vision, and other benefits through a single, user-friendly platform.
Compare plan options.
Not sure which one’s right for your business?
We’ve laid out the key differences between ICHRA and Group Plans to help you make the best choice.
| Feature | ICHRA | Group Plans |
|---|---|---|
| Cost Control | Employers set a fixed reimbursement amount, offering predictable and manageable costs. | Offers potential for group discounts; costs are shared between employer and employees. |
| Flexibility | Employees choose individual plans tailored to their needs and family situations. | Provides a uniform benefits package for all employees, simplifying decision-making. |
| Risk Management | Shifts risk to the individual market, protecting employers from high claims costs. | Risk is pooled within the group, which can help stabilize costs for employees. |
| Savings Potential | Reduces waste by aligning benefits with individual employee preferences. | Economies of scale may apply for larger employee groups, potentially lowering premiums. |
| Compliance | Meets ACA requirements with simple setup and administration. | Ensures ACA compliance-solutions through traditional insurance structures and carrier support. |
| Employee Retention | Provides personalized benefits that appeal to a diverse workforce. | Familiar option that may appeal to employees accustomed to group coverage. |
Why choose 
?
We’ve helped thousands of small businesses offer smarter, more affordable benefits. From flexible healthcare to hands-on HR tools, we make it easy to support your team without overloading your plate. You stay focused on your business—we’ll handle the rest.
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