NEW! Health Solution with Business Cost Controls – ICHRA

August 25, 2025

Al Benson, National Program Manager

The Dealer Benefits Program is happy to announce a new benefit solution with cost controls, tax advantages and flexibility for Dealers who want make health coverage available through their business, even if you’ve never done so or are facing cost and coverage issues renewing your current health arrangement.

It’s called ICHRA – Individual Coverage Health Reimbursement and has been gaining popularity among small employers all over the U.S. since it was introduced with new federal regulations in 2019.

ICHRA is a flexible, tax-advantaged option that lets businesses set a budget for health benefits on your terms, lets employees shop for their own individual and family health plans and get reimbursed for insurance premiums and qualified medical expenses.

ICHRA plans are now available to Dealers through eHealth, our trusted long-time benefits partner. eHealth provides year-round plan support to you and your employees to help you cap costs and simplify health insurance for employees and yourself.

🚀 Why Choose ICHRA?
Cost Control – Set your own budget and reimburse only what you can afford.
Employee Choice – Workers choose the health plan that fits their needs.
Tax-Free Reimbursements – No income or payroll tax on reimbursements.
No Participation Minimums – Offer benefits to one employee or many—no restrictions.
Flexible Eligibility – Customize by employee class, location, or status.
Scalable – ICHRA grows with your business—no renegotiation needed.

💰 How Employer Contributions Work
You decide how much to contribute—monthly, annually, or by employee class. There are no federal limits, and you can vary amounts based on:
• 👥 Employee class (e.g., full-time, part-time)
• 👨‍👩‍👧‍👦 Family size
• 🎂 Age (older employees can receive more)
Your contributions are:
• ✅ 100% tax-deductible
• ✅ Exempt from payroll taxes
• ✅ Predictable and budget-friendly

🛍️ How Employees Shop for Coverage
Employees use your ICHRA allowance to buy individual health insurance that suits them and their family best. They can shop:
• 🏛️ On our private health exchange
• 🏢 Directly from insurance carriers
• 🧓 Through Medicare (if eligible)
And thanks to ICHRA’s built-in Special Enrollment Period, employees can enroll any time of year—no need to wait for open enrollment.

🧾 Tax Advantages for Everyone
For Employers:
• ✅ Contributions are tax-deductible
• ✅ No payroll taxes on reimbursements
• ✅ No risk of high claims or renewal hikes
For Employees:
• ✅ Reimbursements are not taxable income
• ✅ Any additional premiums can be paid by pre-tax payroll deduction
• ✅ Personalized coverage means better value

🛠️ ICHRA Made Easy
Let eHealth help you launch an ICHRA solution for your business in just a few steps:
• ✅ Plan design consultation
• ✅ Compliance and documentation support
• ✅ Employee onboarding and education
• ✅ Ongoing administration and reporting

📞 Ready to Modernize Your Benefits?
If you’re finding it’s time to rethink how you care for your team, check out our new ICHRA plan for your businesses and U-Haul Dealership.

I hope you find the Dealer Benefits program works for your business and U_Haul Authorized Dealership.