ICHRA brokerage for businesses of every size
Health benefits your team will love — without a group plan.
An ICHRA lets you reimburse employees, tax-free, for individual health insurance they choose themselves. As an independent ICHRA broker, we set it up, run the compliance, and keep your costs predictable.
Freedom to Choose. Power to Save.
- IRS-compliant setup
- Works in all 50 states
- Free quote in 24 hours
How it works
Three simple steps
From no benefits — or an expensive group plan — to a modern, tax-advantaged setup.
Tell us about your team
Share your headcount and budget. We map out an ICHRA that fits — in any state, for any size.
Set your reimbursement
You decide a tax-free monthly allowance. We handle classes, compliance, and the paperwork.
Employees pick their plans
Your team chooses individual coverage they actually want. You reimburse, tax-free.
The basics
What is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) is an IRS-approved benefit that lets employers of any size reimburse employees, tax-free, for individual health insurance — instead of buying a traditional group plan.
You control the budget. Employees control the plan choice. Everyone wins on taxes.
Read the full ICHRA guideIs ICHRA right for you?
- You want to offer benefits but a group plan is too expensive or rigid.
- Your team is spread across states or works varying hours.
- You want a fixed, predictable monthly benefits budget.
- You have at least one W-2 employee who isn’t an owner or spouse.
Why ICHRA
Why small businesses are switching
Predictable costs
Set a fixed monthly budget instead of riding annual group-premium hikes.
No participation minimums
Offer benefits even if only a few employees enroll. No group-plan thresholds.
Tax-free for everyone
Reimbursements are free of payroll tax for you and income tax for employees.
Employee choice
Each person picks the plan and network that fits their family — not a one-size group plan.
Works in all 50 states
ICHRA runs on the individual market, so it travels with your team wherever they are.
Scales with you
Add classes by role, location, or hours as you grow — no plan redesign required.
Get a free ICHRA quote
See what a tax-free benefits setup looks like for your team — no obligation, no group plan required.