The modern way to cover your employees

Employers can base eligibility for ICHRA for employees in seven different permissible classes: 

1. Salaried employees
2. Hourly employees
3. Seasonal employees
4. Full-time employees
5. Part-time employees
6. Employees in different locations, based on rating areas
7. A combination of the above classes

Employers must offer a particular class of employees either an ICHRA or a group health plan; they can’t offer both to the same employee. If an employee has health insurance through a spouse’s employer-sponsored plan, they can’t enroll in an ICHRA and use those dollars to pay for their spousal coverage.

Employers also do not have to reimburse for all health care-related costs if they offer an ICHRA. Employers can choose to just contribute towards premiums, or to allow you to use any leftover ICHRA dollars towards your deductible.