INDEPENDENT GUIDANCE · SINCE 2020
ICHRA On-Exchange & Off-Exchange Plans
An ICHRA can support eligible individual health insurance purchased through a Marketplace or outside it. Compare both paths before choosing coverage.
Two ways to shop individual coverage
| Path | What to review |
|---|---|
| On-exchange | Shop through the federal or state Marketplace. Report your employer’s ICHRA offer accurately. |
| Off-exchange | Shop outside the Marketplace. Confirm the policy qualifies for your ICHRA. |
Coordinate your funding
You cannot use an ICHRA and a premium tax credit together. Marketplace tax credits may be available if the ICHRA is unaffordable and you opt out. If an employer permits Section 125 salary reductions for the remaining individual premium, the policy must be off-Marketplace.
Check doctors, prescriptions, total costs and effective dates before enrolling.
Read the official HealthCare.gov ICHRA guidance →