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Rethink Benefits With Our Customizable Coverage Platform

Change the way you thought about health benefits with ICHRA

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Insurance by Design

Rethink group health coverage and opt for an ICHRA. Instead of the standard group insurance plan, employers can now reimburse employees for the health insurance they choose. Employees get the flexibility to select the plans that suit them best, while employers can extend valuable benefits to their entire workforce.

Employers decide what the
ICHRA will pay for

The simple way to understand
ICHRA

And can decide how
reimbursements work

  • Insurance premiums only
  • Qualified medical expenses only
  • Insurance premiums and qualified medical expenses
  • Employers determine how much they want to give employees for this benefit
  • Employees shop for an insurance plan on the ACA Marketplace
  • Employees get reimbursed through an employer-funded HRA
  • Same for all employees
  • Based on family size
  • Based on age
  • Different amount based on both family size     and age

The simple way to understand ICHRA

  • Employers determine how much they want to give employees for this benefit
  • Employees shop for an insurance plan on the ACA Marketplace
  • Employees get reimbursed through an employer-funded HRA

Employers decide what the ICHRA will pay for

  • Insurance premiums only
  • Qualified medical expenses only
  • Insurance premiums and qualified medical expenses

And can decide how reimbursements work

  • Same for all employees
  • Based on family size
  • Based on age
  • Different amount based on both family size and age

Still Not Convinced?

ICHRA is a new benefit setup. Wondering how it compares to traditional ones? Here’s how it looks for small groups with under 250 employees.

Cost Availability Size Requirements Medical Expenses Maximum Contributions Small Group Fit
Self Insured Uncertain Everywhere Any Size N/A No
Fully Funded $$$$ Everywhere Any Size N/A No
SHOP $$$ Most SBM States <50 employees N/A No ••
QSEHRA $$ Everywhere <50 Employees Reimbursed Yes ••
ICHRA $$ Everywhere Any Size Reimbursed No •••

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