ICHRA Compliance & Reporting — An Employer’s Checklist

Checklist:

1. Plan documents & SPD — Required under ERISA if applicable.
2. Required notice — Provide at least 90 days before the plan year (or upon hire).
3. Coverage verification — Confirm qualifying coverage monthly before reimbursing.
4. HIPAA compliance — Protect privacy when collecting substantiation.
5. ACA employer mandate — Test affordability and offer to enough full-time employees.
6. State/local mandates — Check for Hawaii, San Francisco, or Service Contract Act obligations.
7. ERISA reporting — File Form 5500 if applicable.
8.  COBRA Notifications – Still required.

Stay audit-ready and worry-free. Request our turnkey ICHRA compliance kit with notice templates, affordability worksheets, and a tracking calendar.”

Related Resources:

ICHRA 101 Overview:: https://gobenefits.com/ichra-101-a-modern-alternative-to-traditional-group-health-insurance/

ICHRA Affordability & Budgeting:: https://gobenefits.com/can-an-ichra-save-us-money-affordability-safe-harbors-budgeting/

Best-Fit Scenarios for ICHRAs:: https://gobenefits.com/when-an-ichra-makes-the-most-sense-and-when-it-doesnt/ 

About the author

John Pask

John Pask works with businesses to make employee benefits easier to understand and manage. His focus is on helping employers simplify group health insurance by removing the complexity around plan comparisons, enrollment, and ongoing administration.

Through his work with GoBenefits, John helps companies manage new hires, employee updates, and benefits more efficiently; to reduce manual work and improve accuracy.