Step-by-step

How ICHRA works

Three steps. No catch. The math works because individual-market rates are lower than small group in hundreds of counties.

  1. 1

    Drop the group plan

    Cancel your small-group health insurance. In many counties, group premiums run an estimated 20–63% higher than individual rates for the same level of coverage.

    Ohio avg group
    $810/mo
    Ohio avg individual
    $326/mo
  2. 2

    Set up an ICHRA

    Give each employee a tax-free monthly allowance to buy their own ACA marketplace plan. You choose the amount — there are no minimums or maximums.

    Define classesFull-time, part-time, geographic
    Set allowances$200/mo, $500/mo — you decide
  3. 3

    Everyone saves

    Employees get the same or better coverage at a lower price on the individual market. You pocket the difference. In the right county, that is thousands per year per employee.

    Savings at scale — Morrow County, OH
    1 employee
    $6,561
    10 employees
    $65,610
    25 employees
    $164K
    50 employees
    $328K

Tax benefits

100%
Tax-deductible for employers
$0
Income tax for employees
$0
FICA taxes on ICHRA

Setup timeline

Weeks 1–2Plan design and setup with an ICHRA administrator.
90 days before startEmployee notification (required by law).
Open enrollmentEmployees shop for individual plans.
Plan year startsMonthly reimbursements begin — you start saving.

Ready to see your savings?

Enter your county and see exactly how much ICHRA saves your business across 1309+ qualifying counties.

Explore the Savings Map → Talk to an Expert

See what your company could save

County-specific 2026 numbers, about 30 seconds, no contact info needed.

How many employees do you have?

75 employees
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