The modern way for employers to offer health benefits — more choice for employees, lower costs for everyone.
Instead of buying a one-size-fits-all group health plan, employers set a monthly allowance for each employee. Employees shop for their own individual health insurance, then get reimbursed tax-free.
Choose a fixed monthly allowance per employee. No minimums, no maximums. Full cost control.
Each employee picks their own ACA marketplace or individual plan that fits their needs.
Employees submit proof of coverage and get reimbursed tax-free each month. Simple.
In hundreds of US counties, individual health insurance premiums are significantly lower than small group rates. This pricing gap exists because individual and small group markets are rated differently under the ACA.
| Factor | Group Plan | ICHRA |
|---|---|---|
| Cost control | Limited — premiums rise 5-10%/yr | Full control — fixed budget |
| Employee choice | 1-3 plan options | Hundreds of options |
| Multi-state | Complex and expensive | Built-in, simple |
| Min. employees | Often 2-50+ | 1+ |
| Admin burden | High — renewals, compliance | Low — set and forget |
| Annual renewals | Complex negotiation | Just adjust allowance |
Search 3,000+ US counties to see exactly where ICHRA beats small group insurance.
Explore the Savings Map →