ICHRA HEALTH BENEFITS
Fixed Costs for You. Choice for Employees.
Offer tax-advantaged health benefits without being trapped in a one-size-fits-all group plan.
WHAT IS ICHRA
What an ICHRA Is
An Individual Coverage HRA lets employers reimburse employees, tax-free when structured correctly, for individual health insurance and eligible medical expenses.
You control the budget. Employees choose coverage.
WHY EMPLOYERS USE IT
Why Small Businesses Use ICHRA
โSet a predictable employer contribution.
โOffer benefits without sponsoring a traditional group plan.
โSupport diverse employee needs across family, age, and location.
โScale benefits as you grow.
HOW WE IMPLEMENT
How Benefits Ninja Implements ICHRA
1Set the structure
Determine eligible classes and contribution levels.
2Guide plan selection
Coordinate plan selection support for employees.
3Stand up administration
Set up administration and compliance workflows.
4Communicate and onboard
Employee communication and onboarding.
5Stay on it
Ongoing support throughout the year.
FAQS
ICHRA FAQs
Is ICHRA complicated?
Do employees have to shop on their own?
What if we're growing quickly?
Control Costs Without Cutting Benefits
If group renewals are killing you, ICHRA might be your clean exit.
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Benefits Ninja provides insurance and benefits consulting. Everything on this site is general information for educational purposes only. It is not insurance, tax, legal, or medical advice, it is not a quote, and it is not an offer or binder of coverage. Plan availability, eligibility, rates, contribution limits, and savings vary by state, carrier, group size, plan design, and employee census, and are subject to carrier underwriting and applicable law. Any figures, examples, or savings shown are illustrative only and your results will differ. Tax outcomes, including any FICA impact, depend on your specific facts; consult your own tax advisor and legal counsel before acting. Coverage is in force only when issued in writing by the carrier. Insurance offered through licensed agents in states where licensed.
