Affordable Health Benefits for Your Business & Employees
The Individual Coverage Health Reimbursement Arrangement (ICHRA) is a modern, flexible alternative to traditional group health insurance — giving employers control over costs while empowering employees to choose their own coverage.
What Is an ICHRA?
An ICHRA (Individual Coverage Health Reimbursement Arrangement) is an IRS-approved benefit that allows employers of any size to reimburse employees tax-free for individual health insurance premiums and qualified medical expenses. Unlike traditional group plans, there are no minimum participation requirements, no network restrictions, and no annual premium increases tied to your group's claims history.
Why Businesses Choose ICHRA
Predictable Costs
Set a fixed monthly reimbursement budget — your costs never exceed what you decide to contribute.
No Group Plan Hassle
Eliminate the annual renewal process, carrier negotiations, and minimum participation headaches.
Tax Advantages
Reimbursements are fully deductible as a business expense and excluded from payroll taxes.
Attract & Retain Talent
Offer a competitive health benefit without the complexity or cost of a traditional group plan.
Freedom of Choice
Pick any ACA-compliant individual or family plan that fits your doctors, medications, and budget.
Portable Coverage
Your plan stays with you even if you change jobs — no disruption to your doctors or care.
Tax-Free Reimbursement
Employer contributions are excluded from your taxable income, putting more money in your pocket.
Personalized Plans
No one-size-fits-all group plan — choose coverage that actually matches your family's needs.
How It Works
Employer Sets the Budget
You decide how much to reimburse employees each month — no minimums, no maximums.
Employees Shop for Coverage
Employees browse and enroll in any ACA-compliant individual plan on the marketplace or directly from a carrier.
Employees Submit Proof
Employees submit proof of their premium payment through a simple online portal.
Employer Reimburses Tax-Free
You reimburse employees up to your set amount — 100% tax-free for both parties.
ICHRA Consultation & Client Intake
Fill out the form below and James will reach out to walk you through your options and build a plan that fits your business.