At Decisely, we’ve spent nearly a decade helping businesses navigate the complexities of employee benefits. Over the years, our clients have made one thing clear: they need more flexible, affordable, and accessible insurance options — especially as traditional group plans become harder to sustain.

The Challenge: Traditional Benefits Alone Aren’t Enough

For many business owners, the rising cost of group health insurance is unsustainable. One of our clients recently faced a 36 percent increase in their premium renewal — a jump that forced tough decisions: shoulder the expense, reduce coverage, or consider dropping benefits entirely.

No employer should have to choose between keeping their business running and ensuring their team has health coverage. And no employee should lose access to care because of cost inflation beyond their employer’s control.

The Opportunity: Rethinking Benefits with ICHRA

That’s why we made a bold move. Decisely developed our Individual Coverage Health Reimbursement Arrangement (ICHRA) solution, a flexible benefits model that allows employers to contribute toward health insurance plans employees choose themselves.

Our goal? To make ICHRA as intuitive and employee-friendly as the traditional group plans we’ve long supported.

We’re excited to launch our enhanced version of Decisely ICHRA — built directly from the feedback of our clients, partners, and internal experts. Our latest updates are all about ease, clarity, and accessibility with new features including:

• Virtual Debit Card: Enables employers to fund premium payments so employees don’t have to pay out-of-pocket costs or wait for reimbursement.
• Simplified Experience: User-friendly guidance throughout the platform to make plan selection easier than ever.
• Improved Communication: Email and text alerts for deadlines, updates, and actions.
• Streamlined Reimbursements: Faster processing and real-time status tracking.
• Educational Tools: Integrated videos and FAQs to empower employees in making confident benefits decisions.

These enhancements are especially critical for workers in service, logistics, and other industries where traditional insurance access is often out of reach.

Why It Matters: A Smarter, More Sustainable Path

ICHRA isn’t a plug-and-play solution. To be successful, businesses must:

• Design a plan aligned with your budget and goals.
• Clearly communicate employee responsibilities and choices.
• Partner with a vendor who provides expert support and easy-to-use technology.
• Share ongoing feedback to help us (and you) continue improving.

Decisely is your trusted partner. We’re committed to listening, evolving, and making healthcare benefits work better — for your business and your employees.

About the Author
Jess Southwell
SVP, ICHRA Product at Decisely
Jess leads the strategy and growth of Decisely’s ICHRA product, helping businesses of all sizes navigate modern healthcare benefits with flexible, scalable solutions tailored to today’s workforce.