ICHRA
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ICHRA
ICHRA: Fixed Costs for You. Choice for Employees.
Offer tax-advantaged health benefits without being trapped in a one-size-fits-all group plan.
What an ICHRA Is
An Individual Coverage HRA (ICHRA) 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 Small Businesses Use ICHRA
- Set a predictable employer contribution
- Offer benefits without sponsoring a traditional group plan
- Support diverse employee needs (family, age, location)
- Scale benefits as you grow
How Benefits Ninja Implements ICHRA
Determine eligible classes and contribution levels
Coordinate plan selection support for employees
Set up administration and compliance workflows
Employee communication and onboarding
Ongoing support throughout the year
ICHRA FAQs
Is ICHRA complicated?
It can be if done poorly. We handle setup and keep it simple for employees.
Do employees have to shop on their own?
We provide full guidance and resources so they don’t feel abandoned.
What if we’re growing quickly?
ICHRA can scale cleanly because you control the contribution strategy.
Control Costs Without Cutting Benefits
If group renewals are killing you, ICHRA might be your clean exit.