ICHRA Benefits
A more flexible way to contribute to benefits.
An individual coverage health reimbursement arrangement lets employers contribute a set amount toward the individual coverage each employee chooses. Here is the idea, explained simply.
In plain language
What an ICHRA is, in one paragraph.
In plain terms: the employer sets a monthly allowance, employees choose their own individual health plan, and eligible premiums are reimbursed up to that allowance, according to the employer’s policy.
Four steps
Simple to explain, simple to run.
The arrangement is easier to understand as a sequence than as a definition.
The full five-stage journey- Employer
Set an allowance
Choose monthly amounts for each employee class.
- Sanaira
Invite employees
Everyone receives a guided welcome and timeline.
- Employee
Employees choose
Each person picks a plan that fits their life.
- Employer
Reimburse by policy
Eligible premiums are reimbursed up to the allowance.
Team dashboard
Plan choices and participation, at a glance.
See which plans your team has chosen, how many people have decided and every change as it happens — your allowance stays fixed while each choice stays their own.
- Plan mix across the team
- Who has chosen, and who hasn’t yet
- Recent changes as they happen
Two perspectives
Good for the business. Good for each person.
Clarity and control
- A defined monthly contribution
- One approach for every location
- Less time administering a single group plan
- A benefit that grows with the team
Choice and portability
- A plan chosen for your own life
- Your allowance applied before you pay
- Coverage that can travel with you
- Guidance when you need it
Your next step
Book a benefits conversation.
Talk through your team, budget and locations with someone who can show you the options.