Stop overpaying for one-size-fits-all group insurance. ICHRA puts you in control — giving employees real coverage choices while giving employers a predictable, tax-efficient budget.
An Individual Coverage HRA (ICHRA) lets employers give employees a tax-free monthly allowance to buy the individual health plan that fits their own life — instead of being stuck on a group plan that fits no one perfectly.
You set the budget. They choose the coverage. Everyone wins.
Talk to Jason Suchanek →Group health plans are expensive, inflexible, and come with annual surprises. ICHRA replaces that uncertainty with a fixed monthly budget — and replaces one-size-fits-all with genuine employee choice.
Three steps to a smarter health benefit.
Decide how much to contribute per employee each month. No minimum, no maximum. You choose what works for your business.
Each employee shops for and enrolls in the individual health plan that best fits their doctors, family, and needs.
Employees submit their premium and qualified expenses. You reimburse tax-free — only paying for what's actually used.
ICHRA turns your health benefit from a cost center into a strategic advantage.
You decide the budget. No surprise renewals. No rate increases you didn't agree to. Your health benefit stays on budget — every year.
Employees pick a plan that fits their life — their doctors, their medications, their family. That's a benefit they actually value.
Every dollar you contribute is tax-deductible. Every dollar employees receive is tax-free. Far more efficient than a salary bump.
Remote team? Multi-state workforce? ICHRA works regardless of where your employees live — no network restrictions.
No carrier negotiations. No group plan administration. Employees manage their own coverage — freeing up your HR team.
Whether you have 5 employees or 500, ICHRA scales effortlessly. Adjust budgets and classes as your business evolves.
A 75-employee organization was facing a 35% annual premium increase on their traditional group health plan. They made the switch to ICHRA.
Share a little about your situation and Jason Suchanek will reach out to walk you through your options — no pressure, no jargon, just clarity.