Reduce health benefit costs by 30%

Give employees the freedom to choose their perfect health plan while you enjoy predictable costs and simplified administration with an Individual Coverage HRA.

How ICHRA works

A simple 4-step process that transforms how you provide health benefits to your employees.

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1

Employer Sets Defined Amount

Set predictable monthly allowances based on employee class, age, and location that fit your budget.

Predictable monthly costs
Customizable by employee class
Location-based adjustments
Budget-friendly options
2

We Handle All Administration

Complete program setup, compliance management, and ongoing administrative support.

Complete program setup
Compliance management
Ongoing administrative support
Hassle-free implementation
3

Employee meets with a licensed advisor

Find the best major medical insurance for their family needs with personalized guidance.

Licensed advisor support
Personalized guidance
Family-focused solutions
Best plan matching
4

Get reimbursed

Automatic tax-free reimbursements processed monthly with full compliance documentation.

Automatic processing
Tax-free reimbursements
Monthly processing
Full compliance documentation

Step 1

Set predictable monthly allowances based on employee class, age, and location that fit your budget.

Why companies choose Choice Benefits

Move beyond traditional group health insurance. Give employees choice while reducing costs and complexity.

Save 20-30% on costs

Set predictable monthly allowances and eliminate unpredictable premium increases. Your healthcare costs become fixed and manageable.

100% compliant

Automated ACA, ERISA, and HIPAA compliance. We handle all documentation, reporting, and regulatory requirements.

Employee choice

Employees choose health insurance that fits their needs perfectly. Higher satisfaction leads to better retention.

Platform features

Everything you need to implement and manage your ICHRA program successfully.

Fast setup

Launch in 30 days with streamlined onboarding and dedicated support.

Auto compliance

Automated tracking, reporting, and documentation for all requirements.

Employee portal

Intuitive interface for submitting claims and tracking reimbursements.

Analytics

Real-time insights into program usage, costs, and employee satisfaction.

Expert support

Dedicated account management from certified ICHRA specialists.

Integrations

Seamless connection with payroll, HRIS, and benefits systems.

Transform your benefits strategy

Join hundreds of companies reducing costs and improving employee satisfaction with Choice Benefits. Schedule a consultation to see how it works for you.