A steadier way to offer health benefits.
ICHRA lets you set a monthly amount for health coverage and let your people choose their own plan. It can calm a group budget that keeps climbing.
Independent agent · Licensed in Oregon, Arizona, New York, Pennsylvania, South Carolina, Texas, Utah, and Washington · I shop several carriers for you
A newer way to offer health benefits
ICHRA stands for Individual Coverage Health Reimbursement Arrangement. The idea behind it is simple, even if the name is a mouthful. Instead of choosing one group plan for everyone, you set a monthly amount, and each of your people chooses their own individual plan. You reimburse them for it, tax free.
For a lot of Oregon business owners, the appeal is a budget that finally holds still. You decide what you can afford to contribute, and that is your cost. You are not bracing for a double digit renewal every year on a plan you did not design.
It is not the right answer for everyone, and I will tell you honestly when a traditional group plan is the better fit. But when it fits, it fits well, and I will walk you through exactly how it would work for your team.
Three moving parts, and I handle the setup
You set the amount
You decide how much to offer each month, and you can offer different amounts to different classes of employees within the rules.
They choose a plan
Each employee picks an individual health plan that fits their own life, from doctors to prescriptions to budget.
Reimbursed tax free
You reimburse them up to the amount you set. It is tax advantaged for both of you, and your cost stays predictable.
Who this tends to fit
- Owners tired of unpredictable group renewals
- Teams spread across different towns or states
- Remote and hybrid workforces
- Businesses that want a fixed, plannable benefits budget
- Employees who want to keep their own doctor and plan
- Owners who could not make a traditional group work
Simple, and steady, from the first call
We talk
You tell me about your team and what you can budget each month. I explain how ICHRA would look for you.
I set it up
I compare it against a traditional group plan, help design your contribution, and get the arrangement in place.
Your people enroll
I help each employee pick an individual plan and get reimbursed, and I stay on for questions all year.
Good things to know
What is ICHRA in plain English?
It is a way to give your employees money for health insurance instead of picking one plan for everyone. You set a monthly amount, they buy their own individual plan, and you reimburse them tax free.
Is ICHRA cheaper than a group plan?
Sometimes yes, sometimes no. The real benefit is control. Your cost is the amount you decide to offer, so your budget stops swinging with renewals. I will run it next to a group plan so you can compare.
Do my employees lose choice with ICHRA?
The opposite. Each person chooses their own plan, so someone who wants to keep a specific doctor or network can. I help them shop so no one is left guessing.
Is there a minimum number of employees for ICHRA?
No. ICHRA can work for a business with just a few employees, which is one of the reasons small Oregon employers like it.
Do I still have to do a lot of administration?
Not with me handling the setup. I help design the contribution, get the arrangement in place, and support your employees through enrollment and reimbursement.
Curious whether ICHRA fits
Tell me your team size and your budget, and I will show you ICHRA next to a traditional group plan, side by side.