Total ICHRA Health
Predictable costs. Personal choice. Better benefits.
Total ICHRA Health is a modern, "defined contribution" approach to health benefits using an Individual Coverage Health Reimbursement Arrangement (ICHRA), an employer-funded benefit that lets employers reimburse employees tax-free for eligible individual health insurance premiums and qualified medical expenses.
What makes it different?
Unlike traditional group insurance, ICHRA is built around employee choice among plans and carriers available in the individual market. Employers set the allowance; employees choose the plan that fits their needs.
Understanding ICHRA Plans
Ideal For
Businesses that have a minimum of 50 employees with $45,000 or more of average salary. Typical clients have 500 to 10,000 employees and are self-insured. Perfect for companies that want a predictable and steady health insurance spend.
Employer Benefits
- ✓Cost control
Set a defined allowance and cap spend
- ✓Risk removal
No more carrier renewals driving unpredictable increases
- ✓No participation minimums
Offer a benefit without minimum enrollment requirements
- ✓Compliance support
Structured to satisfy the employer mandate (when designed appropriately)
- ✓Savings
Unclaimed reimbursements stay with the employer
- ✓Administration & support
Program design support, plan shopping/enrollment support, and compliance/reporting assistance via platform + guided service
Employee Benefits
- ✓Choice
Pick a health plan that matches individual needs
- ✓Portability
Employees keep their health insurance even if they change jobs (subject to plan rules)
- ✓Control
Employees can secure the right level of coverage and often choose carrier/network preferences
- ✓Comprehensive ACA coverage baseline
ACA-compliant plans include preventive care, essential health benefits, pre-existing condition coverage, and no medical underwriting
Traditional vs. ICHRA
Traditional Group Plan
(Employer-Selected)
- •One (or a few) plan options selected by the employer
- •Annual renewals can drive budget volatility
- •Participation requirements may apply
- •Employees have limited carrier/network choice
Total ICHRA Health
(Employee-Selected / Defined Contribution)
- ✓Employer sets a monthly allowance; employees choose plans that fit them
- ✓Budget is defined and controllable
- ✓No minimum participation requirement
- ✓Employee choice across carriers/plan designs in the individual market
"ICHRA is a true defined-contribution model, employees get choice, employers get cost control."
Frequently Asked Questions
Who is ICHRA designed for?
Employers of any size can offer ICHRA and set allowances by employee class (based on permitted rules).
Can we offer a group plan and ICHRA at the same time?
You can offer ICHRA to one class and a group plan to another, but employees cannot be given a choice between a traditional group plan and ICHRA (within the same class/design).
What does the allowance pay for?
Employers reimburse employees (tax-free) for eligible individual health insurance premiums and qualified expenses, based on plan design.
How do employees enroll?
Employees select coverage that meets their needs, supported by guided plan shopping and enrollment support (online and/or licensed assistance).
Free Resources
Download our guides to evaluate if ICHRA is right for your organization.
ICHRA vs Traditional Benefits
Side-by-side comparison of ICHRA and traditional group health plans.
Download PDFEmployee Education Kit
Materials to help your employees understand and enroll in ICHRA benefits.
Download PDFCost Analysis Calculator
Calculate potential savings by switching to an ICHRA model.
Launch CalculatorGetting Started
Confirm strategy & budget
Define eligible classes & allowances
Launch employee education
Plan shopping & enrollment
Ongoing administration