ICHRA (Individual Coverage Health Reimbursement Arrangement) lets employers give employees a tax-free monthly allowance to buy their own health insurance instead of offering a one-size-fits-all group plan. Employees choose the coverage that works for them, and the employer controls costs with a fixed monthly budget per employee.
When comparing ICHRA vendors, employers should consider: monthly cost per employee, setup fees, how employees get enrolled (self-service vs guided vs hands-on support), compliance handling (ACA reporting, ERISA, HIPAA), payroll integration, and whether the platform offers dental, vision, and other benefits. Companies with 50+ employees should ensure the platform handles ACA Applicable Large Employer reporting requirements.
Affordable health benefits your small team can set up in minutes.
Give your growing team health benefits without managing a group plan.
Your employees get a dedicated guide to help them choose the best plan.
Set a budget, and employees shop for their own health plan online.
Health benefits that scale with your company, no group plan required.
Every employee gets a personal doctor included with their health plan.
Give employees a health wallet and let them spend it on the coverage they need.
Predictable monthly costs with plans designed so employees actually use their benefits.
Built for companies with 200+ employees who want to control health benefit costs.
Built for small teams who want health benefits without the complexity.
Health, dental, vision, and wellness in one place -- connects to your payroll automatically.
A dedicated success manager handles your health benefits from start to finish.
New platform that promises to keep your health benefits paperwork current automatically.
Data-driven analysis shows exactly how much you will save before you commit.
Hands-on enrollment support where a real person guides each employee through picking their plan.
50+ years managing employee benefits for 80,000 companies, big and small.
Smart recommendations help each employee pick the best plan for their family.
Health, dental, vision, and life coverage all managed in one place for your team.
Simple and lightweight. No setup fees, no platform fees, just a per-employee cost.
Completely free for employers -- health, dental, vision, childcare, and retirement in one package.
Trusted by large employers -- 210,000+ employees already enrolled nationwide.
Hands-on support helps every employee find the right health coverage.
One mobile app for your team to manage health spending, savings, and coverage.
Backed by 129 years of benefits experience -- your setup is in expert hands.
Your insurance advisor runs your health benefits on their own branded platform.
Find out in minutes if individual health plans could save your company money.
Employees call a real person when they need help -- not a chatbot.
A care navigator walks each employee through choosing and using their health plan.
Simple enrollment tool that lets employees sign up for health benefits online.
See exactly what you will spend with a savings calculator built by mathematicians.
Save 20%+ on health benefits with a platform built for small businesses.
Employees never pay premiums out of pocket -- the platform pays carriers directly.
Join a chamber-backed program and save an average of 27% on health benefits.
Over a million plan options so every employee finds the right fit -- claims 30%+ savings.
Employees talk to a voice assistant that walks them through picking a health plan.