ICHRA
Simple, Flexible Health Benefits with ICHRA
A modern way to offer health insurance: personalized, tax-free, and budget-friendly.
What is an ICHRA?
ICHRA stands for Individual Coverage Health Reimbursement Arrangement. It allows employers to reimburse employees—tax-free—for individual health insurance premiums and qualified medical expenses.
This gives employees the power to choose their own plans, while employers maintain control of their budgets.
- Employees pick their plan
- Reimbursements are tax-free
- ACA-compliant
- Cost predictability for employers
How Does ICHRA Work?
💰 Set Your Budget
Determine how much to contribute for each eligible employee.
🏥 Employees Choose Plans
They shop and enroll in individual ACA-compliant health plans.
📄 Submit & Reimburse
Employees provide proof of coverage, and you reimburse tax-free.
ICHRA vs. Traditional Group Plans
| Feature | Traditional Group Plan | ICHRA |
|---|---|---|
| One-size-fits-all plan | ✅ Yes | ❌ No |
| Custom employee budgets | ❌ No | ✅ Yes |
| Works with ACA plans | ❌ No | ✅ Yes |
| Fully tax-deductible | ✅ Yes | ✅ Yes |
| Cost control | ⚠️ Limited | ✅ Full |
Benefits for Employers
- Predictable budgets
- Tax savings
- Flexible for part-time or remote teams
- Better employee satisfaction
What Clients Are Saying
“TPG helped us switch to ICHRA and it was a game changer. Our team loves having real choices, and we saved thousands.”
— HR Director, WI-based Nonprofit
Frequently Asked Questions
What types of plans are eligible?
Any ACA-compliant individual health plan purchased through the Marketplace or a private carrier.
Can ICHRA work with part-time or remote employees?
Yes. You can create custom benefit classes to define who gets what—full-time, part-time, seasonal, etc.
Do I have to manage all the paperwork?
No—we handle compliance, tracking, and setup for you.
Let’s Build a Custom ICHRA Plan for Your Team
Our team will guide you through every step—setup, employee communication, compliance, and support.
