For employees

Better health coverage, your choice

With ICHRA, your employer gives you tax-free money to buy the health plan that actually fits your life. Choose your doctors, your coverage level, your plan.

Learn about ICHRA →
In your corner

How ICHRA benefits you

ICHRA puts you in the driver's seat of your health coverage.

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Choose your own plan

Pick from hundreds of ACA marketplace plans. Choose the deductible, copay, and provider network that works best for your family.

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Tax-free money

Your employer's monthly allowance is completely tax-free — no income tax, no payroll tax. It's like a raise.

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Keep your doctor

Since you pick your own plan, you can choose one that includes your preferred doctors, hospitals, and specialists.

How to enroll

1
Receive your ICHRA offerYour employer notifies you at least 90 days before the plan starts, with your monthly allowance amount.
2
Shop for a planBrowse plans on HealthCare.gov or your state marketplace. Compare coverage, networks, and costs.
3
Enroll and submit proofChoose your plan, enroll, and give your employer proof of individual coverage.
4
Get reimbursed tax-freeReceive your tax-free monthly allowance automatically. That's it — you're covered.

Common questions

Can I still get ACA subsidies?
If your employer's ICHRA is considered affordable, you cannot also receive ACA premium tax credits. If it is not affordable, you can opt out and may qualify for marketplace subsidies instead.
What if I change jobs?
Your individual health plan belongs to you. If you leave, your coverage continues — you just pay the full premium yourself until a new employer offers benefits.
Can I cover my family?
Yes. Your employer may offer a family ICHRA allowance, or you can apply your allowance toward a plan that covers your dependents.

Questions about your ICHRA benefit?

We're here to help you understand your options and find the best plan.

Get in touch → Read the FAQ

See what your company could save

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How many employees do you have?

75 employees
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