ICHRA’S & QSEHRA’S
Open Enrollment Is Now Year-Around For Small & Mid Size Businesses!
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ICHRA’s & QSEHRA’s
The Future Of Health Care
ICHRA-Individual Coverage Health Reimbursement Arrangement
QSEHRA-Qualified Small Employer Health Reimbursement Arrangement
Both qualify as a QLE-Qualifying life event which triggers an SEP -Special Enrollment Period, each month of the year! An employer *starting* an ICHRA or QSEHRA counts as an SEP. Business owners can finally say goodbye to once a year enrollment hassels!
Portable Health Care
From 2023 to 2024, employer adoption of ICHRAs increased by nearly 30%.
Source: HRA Council – Growth Trends ICHRA & QSEHRA
ICHRAs Make Insurance Portable. Employees keep their health plan even if they change jobs, giving them stability and continuity of care
ICHRA PODCAST
***The employer no longer selects the company***
Each employee has the power to choose their own health insurance carrier and health insurance plan! Employees can select a plan from any available heath insurance company in their state! This creates the “Gift Card A-La-Carte” benefits program for employees! Revolutionary Flexibility!
OSCAR HEALTH CEO
The CEO of Oscar talks about fixing the Health Insurance System by moving more people to individual marketplace health insurance plans and reducing dependence on Employer-Sponsored Traditional Group Health Insurance! WHY? Traditional group insurance premiums usual comes with a higher annual rate increase verse market place individual plans!
Got Questions? Speak with a Certified ICHRA & QSEHRA Advisor Today!
30 Years Reputation for Excellence
We represent all of the top Marketplace Health Insurance Carriers, ensuring you have a true A-La-Carte experience! Each carrier has different rates for different zip codes and your employees also live in different zip codes! *An employer with 10 employees using this A- La-carte method can have each individual employee selecting a different plan. Each employee can select a different health insurance company and plan. The Future Of Health Care Has Arrived!
TRUSTWORTHY COMPANY
We’re an established insurance agency with 30 years of experience.
EXPERIENCED AGENTS
CUSTOMIZED SOLUTIONS
FAST & QUALIFIED CLAIMS
All About The Future Of
Health Care
The ICHRA & QSEHRA model is growing quickly: from 2023 to 2024, employer adoption of ICHRAs increased by nearly 30%.
Source: HRA Council – Growth Trends ICHRA & QSEHRA
What Is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a modern alternative to traditional employer-sponsored health insurance.
Instead of offering one group plan, employers provide a pre-tax contribution, and each employee chooses the individual health insurance plan that works best for them.
ICHRAs Are a Good Fit for Employers Who:
Face high or rising group insurance premiums
Employ a diverse workforce with varying healthcare needs
Want to offer competitive benefits and more choice to attract and retain talent
Prefer to eliminate the burden of managing group health risk. Employees keep their health plan even if they change jobs, giving them stability and continuity of care.
Why ICHRAs Matter
Traditional group insurance can be costly and unpredictable. Premiums often rise each year, and employees typically have only a few plan options—options that may not meet their needs.. Making employer healthcare costs more predictable and often more affordable
Allowing employees to select personalized plans that match their budget and healthcare needs
How ICHRAs Work
Choose a Benefits Platform
The platform acts as your administrator—managing transactions, supporting employees, and hosting enrollment.
Define Your Contribution
Set your budget and determine the pre-tax amount you’ll contribute to each eligible employee class.
Employees Shop & Enroll
Employees choose their own marketplace plan based on their personal needs.
Employees Get Reimbursed
Employees are reimbursed for premiums up to the employer-defined contribution.
How ICHRAs Compare to Group Health Plans
ICHRAs Make Costs Predictable
Group insurance often comes with steep and unpredictable annual increases.
With an ICHRA, employers can confidently set and budget their pre-tax contributions. Employees, meanwhile, can choose from a wider range of plans across the marketplace.
ICHRAs Make Coverage Personal
Every employee’s situation is different. Under a group plan, everyone gets only a few options from a single carrier.
With an ICHRA, employees can select any marketplace plan—from any carrier—giving them the flexibility to balance features, coverage, and cost.
Only 56% of U.S. small businesses offer health insurance. ICHRAs make benefits more attainable by offering flexible pricing, broader choices, and reduced administrative lift.
Case Studies
Since the beginning, we’ve been working at our best to earn a reputation for professional services, and on-time support. Your satisfaction is our mission.
Company A: 500 employees transitioning from group plans after a 39% premium increase.
Results:
Employees selected 180+ unique plans (compared to 3 under group insurance)
Employer healthcare costs dropped 40%
$3.8M redirected to wage optimization
Employees now pay less than they did 5 years ago—some pay $0
Katherine Williams
New York
Company B. A hospitality company with 50+ restaurants across four states and 315 insured employees.
Results:
Employer saved $1.6M, reinvested into employee initiatives
Employees saved $1M by choosing preferred plans
25% of employees now have $0 premiums
Turnover fell from 20% to 9%
309 of 315 employees reported a positive experience (5 neutral, 1 negative)
Employee feedback included:
“Too good to be true”
“Life-changing”
“I can finally afford health insurance for my family”
“Are these premiums accurate?”
Liliana Gomez
Albuquerqu
Company C. 5,000 employees facing a major premium spike.
Results:
$3.6M annual premium savings
Consistent support across 40 states
Eliminated the unpredictability of the “claims game”
Regional Food Producer & Supplier
500 employees with fragmented, costly benefit arrangements.
Results:
$436,000 in annual premium savings
9% increase in employee benefit adoption
$2,590 average payroll savings per employee
Broader plan options for the entire workforce
Carl Jones
San Francisco
IMPORTANT NOTICE
For regular ACA Open Enrollment and Special Enrollment, click the tab to enroll! Enter your zip code and all available health insurance companies and plans will be provided for your area!
IMPORTANT NOTE for DIY-Do It Yourself individuals!
Bronze Plans have the lowest monthly premium, however, with Bronze plans, usually you’ll pay more when you visit a primary care and specialist, with higher deductibles and out of pocket maximums.
Bronze plans are best for people with very minor health conditions, people who visit the doctor 2 or fewer times per year not including annual preventive care visits.
If on multiple medications with multiple visits during the year, a Silver/Gold plan will benefit you the most!
Using a Certified Advisor to help navigate the best company and plan for your individual needs will cost you nothing! There is no cost for our advise!
Our knowledge and experience can save you thousands!
You can certainly shop and enroll on your own, but 9 times out of 10 using one of our Free Of Charge Certified Advisors will save you a ton of money!
IMPORTANT NOTE: For ICHRA & QSEHRA enrollees!
Great*** You’ve received money from your employer to go shopping for a plan and you also want to DIY-Do It Yourself!
Make sure you have our ICHRA & QSEHRA enrollment guide!
You’ll use the same link below as regular ACA enrollments, however the process for you is slightly different!
I strongly encourage you to seek assistance from one of our Certified Advisors at no cost to you!
If you have everything you need to shop and enroll click on the link below, if not send us and email or text with the best time to assist you by phone, online or in person! You can also click on the “Appointment” Link below!
LET’S GET IN TOUCH
If you have any question regarding our service, we encourage you to schedule an appointment or phone consultation with one of our Certified Advisors or visit our office. We are pleased to offer the best plans for you, your family or your business.
OUR ADDRESS
605 W Main st, North Carolina
CALL US
+1 (919) 228 -9783
EMAIL US
ichrasandqseharas@gmail.com
