When an ICHRA Makes the Most Sense — and When It Doesn’t

Best-fit scenarios:

• Multi-state or remote teams needing localized coverage.
• Small businesses seeking predictable cost control.
• Employers without restrictive state/local healthcare mandates.
• ACA Large Employers (Over 50 FTEs) with very few people enrolling in their current plan

When to think twice:

• Operations in Hawaii, San Francisco, or under the Service Contract Act.
• States where Marketplace plans are significantly more expensive than employer plans
• Teams with low Marketplace plan availability.

Not sure if ICHRA is the right move? Schedule a workforce and compliance review and we’ll map out the best-fit benefits strategy for your business.”

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/

ICHRA Compliance Checklist:: https://gobenefits.com/ichra-compliance-reporting-an-employers-checklist/