ICHRA — A Smarter Way to Offer Health Benefits

Individual Coverage Health Reimbursement Arrangements explained — what it is, how it works, and whether it is right for your business.

What is ICHRA?

A straightforward explanation of how Individual Coverage Health Reimbursement Arrangements work — and why small businesses are choosing them over traditional group plans.

You Set the Budget

As the employer you decide how much to reimburse each employee per month — and that is your total cost. No surprise premium increases at renewal. No minimum contribution requirements. Your budget stays predictable.

They Choose Their Plan

Each employee uses their reimbursement to purchase their own individual health insurance plan on the marketplace. They choose the carrier, the network, and the coverage level that works for their family. You do not choose for them.

Everyone Gets Covered

Employees submit proof of their individual plan premium and get reimbursed tax-free up to the monthly amount you set. The reimbursement is tax-deductible for your business and tax-free for your employees.

Is ICHRA right for your business?

ICHRA works well for businesses that want to offer health benefits without the complexity and unpredictability of a traditional group plan. It is a strong fit if you have employees in multiple states or locations, want to give employees freedom to choose their own coverage, need a predictable monthly health benefit budget, or have a workforce with diverse coverage needs.

It may not be the right fit if your workforce strongly prefers a single unified group plan, or if your state has limited individual marketplace options. That is why we have a conversation first. We help you compare ICHRA against traditional group options so you can make the right decision for your team — not just the easiest one.

Ready to find out if ICHRA is right for your business?

Schedule a free 30-minute consultation. We will walk you through how ICHRA works, whether it fits your business, and what it would cost to implement.

Schedule a Free Consultation

Licensed in Texas and Oklahoma | Ryan Hutson NPN: 21321807 | Mike Grimes NPN: 7850056

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