ICHRA Plans for Employer

ICHRA Individual Coverage Health Reimbursement Arrangement

Offer employees potentially lower-cost individual health plans while keeping the simplicity and support of a group plan.

A Smarter, Simpler Approach

An ICHRA allows employees to select the individual plan that best fits their needs — while we structure it so a TPA pays the carrier and contributions are handled through payroll deduction. That way, it feels and functions like a traditional group health plan, without the one-size-fits-all limitations.

It’s flexible. It’s cost-controlled. And when done right, it’s a win-win for both employers and employees.

How It Works

We start by identifying a base plan and employer contribution. From there, we build an enrollment experience that looks and feels like a group plan — only with more choice. Employees select their plan, we capture the payroll deductions, and the company pays for coverage before the month of insurance using employer contributions plus employee deductions.

The TPA pays carriers directly — so there’s no out-of-pocket burden for employees and no need to upload receipts. It functions like a real group health plan.

Strategic Advantage

One major advantage of ICHRA is the ability to move high-claims employees off your group plan without reducing their access to care. Their large medical expenses no longer drive up your renewals, giving you more control over costs while still supporting your team.

As your needs evolve, we help you pivot to the setup that works best for your company, your employees, and your bottom line.

Real-World Savings

Scenario	Monthly Cost	Key Difference
Before: Traditional Group Plan	$54,000	High-claims employees driving renewal increases
After: ICHRA + Individual Plans	$38,000	Employees transitioned to individual coverage
Estimated Annual Savings	$190,000+	Lower spend without reducing access or quality

Beyond Medical

We’ll also show you how to round out your benefits with dental, vision, life, and disability — without adding administrative headaches. With the right ICHRA setup, COBRA administration can often be eliminated from your workflow (and your budget).

Professional guidance is key, since compliance filings and setup requirements are similar to traditional group plans.

Not sure if ICHRA is the right move? That’s fair. We’ll walk you through the pros, cons, and potential impact so you can make a confident, informed decision.