An independent broker focused on one thing: ICHRA done right.

The ICHRA Broker is an independent ICHRA brokerage. We help small businesses and their advisors move from expensive, rigid group plans — or no benefits at all — to a modern Individual Coverage HRA that’s tax-free, predictable, and simple to run.

Why work with a specialist

ICHRA is still new, and most generalist brokers treat it as an afterthought. We don’t. We set up your arrangement, design employee classes, handle compliance and substantiation, and guide your team through choosing individual plans — so the benefit actually works the way the IRS intended.

Who we help

• Small businesses (typically 1–100 employees) offering benefits for the first time.
• Employers leaving an expensive group plan for predictable, fixed costs.
• Companies with teams spread across multiple states or working variable hours.
• Accountants, fractional HR, and advisors who need an ICHRA partner for their clients.

How we’re paid

As a licensed broker, we’re generally compensated through the insurance and administration ecosystem — so our guidance is typically free to you. We’ll always be transparent about how a given setup is structured before you commit.

The ICHRA Broker provides educational information and brokerage services. It is not tax, legal, or accounting advice. Consult your own advisors for decisions specific to your business.