Understand ICHRA before you choose it.
ICHRA is an employer-funded health reimbursement arrangement that helps eligible employees pay for qualifying individual health coverage. CMS now calls it a CHOICE Arrangement. ICHRA Report explains the rules, costs and administrator options, with sources you can check.
Explore the HRA family · What changed with the CHOICE name? (CMS terminology)
Offered ICHRA at work? Start with the employee guide.
The percentage applies to plan years beginning in 2027 and affects employee premium-tax-credit eligibility.
Read the guideCompare provider roles, current public fees and the operating work still requiring a written scope.
See all reviewsHRA is the family. ICHRA is one type.
A health reimbursement arrangement is an employer-funded benefit that repays eligible health expenses. An ICHRA connects that benefit to qualifying individual health insurance or Medicare. Other HRAs serve different needs and follow different rules.
Which type of HRA is this?
Identify ICHRA, QSEHRA, group-integrated and excepted benefit HRAs before applying a contribution or coverage rule.
Compare HRA typesICHRA or QSEHRA?
Compare employer eligibility, contribution limits, insurance requirements and the effect on employee tax credits.
Read the comparisonHow is an HRA different from an HSA?
See who funds each benefit, what happens to unused money and why HSA eligibility needs a separate check.
Compare HRA, HSA and FSABegin with the decision in front of you.
ICHRA can change an employer’s cost model and an employee’s insurance experience at the same time. These guides explain the decision in the order most teams need to make it.
How does an ICHRA work?
ICHRA stands for Individual Coverage Health Reimbursement Arrangement. An employer sets a reimbursement benefit, and employees obtain qualifying individual coverage. This guide explains how insurance, employer contributions, reimbursement and employee responsibilities fit together.
Read articleHow much should an employer contribute?
ICHRA affordability is a legal test that can affect an employee's access to Marketplace premium tax credits, which help pay insurance premiums. For plan years beginning in 2027, the percentage is 10.22%. Follow the worked example and identify what must be checked for your situation.
Read articleWhich employees can be treated differently?
An employee class is a permitted category an employer can use when designing benefits, such as full-time or part-time employees. Learn which categories are allowed and what restrictions apply before offering different benefits to different groups.
Read articleWhat should an ICHRA provider actually do?
An ICHRA administrator helps your company run the benefit. Before choosing one, establish who will handle enrollment, reimbursements, employee questions and launch tasks. Use this guide to request evidence and complete pricing from each candidate.
Read articleRules, market changes, and provider news—explained in context.
We separate federal rules from industry reports and company announcements, then explain what each development means for employers, brokers, and employees.
Evidence you can put to work.
Original practical articles, a public pricing audit and a worksheet for the next decision.
What does ICHRA actually cost?
An employer's ICHRA budget includes employee reimbursements, administrator fees and the work needed to operate the benefit. Employees may still owe part of their insurance premium and costs when receiving care. This guide separates those costs before you compare options.
Read articleICHRA provider pricing: a six-brand public-source audit
Before asking for proposals, see what six ICHRA administrator brands publicly say about service fees. This dated review records published starting prices, minimums and missing information. These are administrator charges, separate from employee insurance premiums and reimbursements.
Read articleCompare ICHRA administrator fees
For employers and brokers who already have written proposals. Enter up to three administrators' fees to compare monthly and total service costs for the same workforce. You supply the quotes; the worksheet does the arithmetic.
Read articleCompare the evidence before the sales pitch.
14 provider profiles. The same questions about pricing, implementation, employee support, integrations, and the evidence still missing.
Six ICHRA administrators, side by side
Use this table to identify companies to investigate for your employer's needs. It compares public information about services and pricing; confirm the details in a demonstration and written proposal before choosing.
Read articleBring better questions to the demo
An ICHRA administrator helps your company run the benefit. Before choosing one, establish who will handle enrollment, reimbursements, employee questions and launch tasks. Use this guide to request evidence and complete pricing from each candidate.
Read articleHow we research ICHRA and review administrators
Use this page to understand what we checked before making a claim. We distinguish government rules, company descriptions, calculations and editorial judgments, and explain what readers should confirm before making a benefits decision.
Read article14 services, reviewed through buyer questions.
Each review looks at buyer fit, public fees, operating role and the duties still requiring a written proposal. A scoped profile does not imply verified service outcomes.
We look past the feature list.
A good ICHRA provider has to work across plan design, employee enrollment, payroll, carrier payments, compliance, and support. We review the public product story, then identify the questions a buyer still needs answered.
Build your ICHRA evaluation brief in six questions.
Get answer-specific next steps, suggested owners, and a provider worksheet you can print or download.
Choose what you need to check
Explore insurance prices
Choose a county to see published 2026 monthly premiums and plan documents in 30 states.
Check published administrator fees
See what ten brands say publicly about their service charges before asking for written proposals.
Share your ICHRA experience
Send a short account of your decision or implementation for possible reporting. Nothing is published automatically.