A smarter way for Brokers and Employers

Lower Costs for Employers. More Choice for Employees.

ICHRA Systems helps brokers & employers find competitive pricing on group health benefits and gives employees the freedom to choose from more plans — not just a few.

Employee Login & Enrollment Employer Login Broker Portal

Employers Get
Competitive Pricing

Access to top carriers and competitive rates to help you attract and retain great talent — while keeping costs down.

Employees Get
More Choice

Your team can choose from more plans and fit their coverage to their life — not be limited to just a few options.

A Healthier, Happier
Workforce

Better benefits lead to greater satisfaction, stronger teams, and a brighter future for everyone.

How ICHRAs/Choice Arrangements Work

An ICHRA — Individual Coverage HRA — lets an employer pay toward a health plan each employee picks, instead of buying one group plan.

The employer sets the amount

A monthly amount per employee, set by the employer. It can go toward premiums, and other medical costs if the employer allows.
Employees pick their own plan

They buy an individual health plan sold where they live. Medicare Parts A and B, or Part C, also qualifies.
The employer pays that amount

The employer pays up to that amount — generally tax-free, and not counted as wages. The employee pays any premium above it.
The plan belongs to the employee

It stays with them after a job change, though the employer’s payments stop.