For Insurance Agents
Help your clients set up and manage ICHRA plans for their employees. Follow these steps:
Educate Yourself and Your Clients
Learn about ICHRA benefits and how they work. Use our resources to explain the advantages to employers:
- Tax advantages for employers
- Flexibility for employees to choose their own plans
- Simplified administration compared to group plans
- Cost control for businesses
Help Employers Design Their ICHRA Plan
Work with employers to create a plan that fits their budget and goals:
- Determine monthly allowance amounts
- Decide if amounts will vary by employee age or family size
- Set up employee classes if needed (full-time, part-time, etc.)
- Choose which expenses will be reimbursable
Set Up Administration
Help employers choose and set up an administration platform:
- Select an ICHRA administration platform
- Set up legal plan documents
- Create employee notices and educational materials
- Establish a reimbursement process
Support Employee Enrollment
Help employees understand and choose their individual health plans:
- Host educational meetings for employees
- Provide one-on-one support for plan selection
- Help employees apply for coverage
- Explain how to submit receipts for reimbursement
Provide Ongoing Support
Continue supporting employers and employees throughout the year:
- Help with new employee onboarding
- Assist with annual plan renewals
- Support employees with claims or coverage questions
- Keep employers updated on regulatory changes
For Employers
Set up an ICHRA to give your employees tax-free money for health insurance. Follow these steps:
Learn About ICHRA Benefits
Understand how an ICHRA can help your business and employees:
- Tax-free benefit for your employees
- Predictable costs for your business
- No minimum or maximum contribution requirements
- Flexibility to offer different amounts to different employee classes
- No minimum participation requirements
Design Your ICHRA Plan
Create a plan that works for your business:
- Decide how much money to give each employee
- Choose if you want to vary amounts by age, family size, or employee class
- Determine which expenses will be eligible for reimbursement
- Set your budget and timeline
Set Up Administration
Choose how you'll manage your ICHRA:
- Select an ICHRA administration platform
- Create legal plan documents
- Set up a process for verifying employee insurance coverage
- Establish a system for processing reimbursements
Communicate with Employees
Help your employees understand the new benefit:
- Provide required legal notices at least 90 days before start date
- Host informational meetings to explain how ICHRA works
- Give employees resources to help them choose plans
- Explain how to submit receipts for reimbursement
Keep your ICHRA running smoothly:
- Process monthly reimbursements
- Onboard new employees as they join
- Verify insurance coverage annually
- Review and adjust allowance amounts each year
- Keep records for tax and compliance purposes
For Employees
Your employer is giving you money to buy your own health insurance. Here's what to do:
Understand Your Benefit
Learn how your ICHRA works:
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- Your employer is giving you money each month for health insurance
- You need to buy your own health insurance plan
- You'll pay for the plan first, then get reimbursed, or your employer will set up a payroll method.
- You must have individual and family off-exchange health insurance to get this benefit. Some exclusions apply.
Shop for Health Insurance
Find a health insurance plan that works for you:
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- Enter your ZIP code to see available plans
- Compare monthly costs, deductibles, and coverage
- Check if your doctors are in-network
- Make sure your medications are covered
- Consider your health needs and budget
Enroll in a Plan
Sign up for the health insurance plan you choose:
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- Apply for coverage through our website
- Provide information about yourself and any family members
- Set up payment for your monthly premium
- Save a copy of your insurance card and policy information
Get Reimbursed
Submit proof of your insurance to get your money:
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- Show proof that you have health insurance
- Submit your monthly premium receipt
- Get reimbursed up to your monthly allowance amount
- Set up direct deposit for faster reimbursement
Use Your Insurance
Make the most of your health insurance plan:
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- Find in-network doctors and hospitals
- Schedule preventive care visits (often free)
- Use your insurance card when you get care
- Review your Explanation of Benefits (EOB) statements
- Keep track of your deductible and out-of-pocket spending
