In today’s evolving benefits landscape, flexibility and cost control are no longer “nice-to-haves” for small and mid-sized businesses — they’re essential. As Professional Employer Organizations (PEOs) look for ways to better support employers facing rising health insurance premiums, participation challenges, and shifting workforce needs, Individual Coverage Health Reimbursement Arrangements (ICHRAs) offer a powerful path forward.

For PEOs working with Decisely, that opportunity becomes even stronger.

1. Expanding Options for PEO Clients

PEOs work with a diverse portfolio of employers, each with different budgets, workforce structures, and participation patterns. Decisely’s ICHRA strategy gives PEOs the flexibility to meet those varied needs through:

• Full customization by class, location, or business structure
• Defined contributions tailored to each employer’s financial goals
• Access to the entire ACA individual market, giving employees more control over their coverage choices

By integrating ICHRAs into their offering with Decisely, PEOs can better serve clients who may not be able to sustain a traditional group health plan, but still want to provide meaningful, compliant benefits.

2. Lower Risk & Administrative Complexity

One of our core strengths is simplifying benefits through technology and full-service support. When layered with an ICHRA, that value multiplies:

• The employer and PEO no longer carry the riskassociated with group plan renewals and medical trends
• Compliance is streamlined with Decisely’s guidance and integrated tools
• Employees shop for their own ACA-compliant plans, reducing dependency on group eligibility rules and minimum participation requirements

The result: less operational burden for the PEO, while clients still receive dependable, hands-on benefits support.

3. Predictable, Sustainable Cost Management

Helping clients navigate annual group premium increases is a familiar pain point for PEOs. Our ICHRA model reframes that challenge.

Instead of reacting to renewal increases, employers can set a predictable monthly benefit amount, providing long-term budget stability. For PEOs, that means:

• Higher client retention, driven by consistent and controllable benefits spend
• More competitive positioning in new business opportunities
• A scalable benefits model that adapts as clients grow, contract, or change their workforce

Cost control becomes a differentiator, not a hurdle.

4. Better Employee Experience Through Choice

Our approach is built around accessibility, clarity, and support. Within an ICHRA framework, employees benefit from:

• A broad range of individual plans that better match their personal and family healthcare needs
• Guidance from Decisely’s licensed advisors during plan selection and enrollment
• The ability to retain coverage even if their employment status changes
• A simple, user-friendly experience through Decisely’s integrated benefits platform

For PEOs, this elevated employee experience translates into stronger satisfaction, improved retention, and greater trust in the PEO relationship.

5. A Strong Competitive Edge for PEOs

By partnering with Decisely, PEOs can bring a modern, flexible benefits solution to employers looking for innovative approaches. ICHRAs help PEOs:

• Reach groups with cost or low participation challenges
• Support clients navigating restructuring, downsizing, or rapid growth
• Offer a viable alternative when traditional group plans become too expensive or unsustainable
• Stay ahead of the shift toward consumer-driven, choice-based benefits

This shifts the PEO from being seen as just an administrator to being recognized as a proactive, strategic advisor.

Why Decisely?

We specialize in supporting PEOs with personalized service, smart technology, and deep benefits expertise. Our team simplifies complexity — from ICHRA design and implementation to ongoing employee support — so PEOs can deliver real value without adding internal strain.

Whether you’re looking to introduce an ICHRA strategy for the first time or seeking a long-term, collaborative benefits partner, Decisely provides the infrastructure, tools, and experience to make it seamless.

Ready to evolve your PEO offering?

Let’s talk! Reach out to David Ainsworth at david.a@decisely.com to start the conversation.