NEW! “CHOICE Health” Solution with Business Cost Controls and Employee Choice of Coverage

September 1, 2026

Al Benson, National Program Manager

The government’s annual OPEN Enrollment period for federally-qualified 2027 Individual Health plans will re-open November 1, 2026. Let us help your U-Haul Dealer business prepare for a better health plan in 2027. Until then, Dealers and business employees can still enroll in a qualified 2026 Individual/Family Health plan filed and approved in their state. We can help make it happen through the Dealer Benefits Program’s new CHOICE Health plan for small businesses.

Take Control of Rising Health Costs –

The Dealer Benefits Program now offers small business CHOICE Health plans through our long-time private exchange and technology affiliate eHealth. Also called “ICHRA” (individual coverage health reimbursement account) plans after the federal tax regulations of 2020, CHOICE Health plans are a new benefit solution with flexible cost controls and tax advantages for Dealers who want to make individual health coverage available through their businesses mid-year, even if you’ve never done so or are facing cost and coverage issues renewing your current health arrangement.

We’ve all heard about and maybe experienced first-hand the health cost increases that businesses and employees are facing. Due to rising health plan usage and claim costs, higher health provider charges and more expensive drugs, insurance actuaries are projecting health plan premium cost increases of +8% or more next year. Businesses of all sizes and individuals and families are concerned about how to get ahead of these increases.

Time for Help with Your 2027 Health Benefits Decisions?

Prepare now for a better health plan in 2027. The Dealer Benefits Program now offers CHOICE Health or “ICHRA” (Individual Coverage Health Reimbursement Account) plans. This innovative health cost solution with a clumsy name is rapidly gaining popularity among small employers all over the U.S. after new federal regulations made tax advantages available to small businesses. Private benefit programs like ours have greatly simplified implementation and administration.

Unlike traditional approaches to health benefits, CHOICE Health plans are a tax-advantaged option that lets businesses set their own budget for health benefits. Employees get to do their own shopping any time of year for individual and family health plans – the same federally qualified comprehensive major medical plans approved by state insurance departments each year and sold in the government health marketplaces. Employees get reimbursed through the business’s CHOICE Health plan contribution for some or all of their individual health insurance premiums and their qualified medical expenses, without getting taxed.

CHOICE Health plans are available now to Dealers through our trusted benefits partner eHealth. For over a decade, eHealth has helped us provide leading benefit solutions for U-Haul Authorized Dealerships. Implementing a CHOICE Health plan will let Dealers put a cap on their business health cost commitment. In addition, the CHOICE Health plan will simplify health insurance for your Dealer businesses through eHealth’s year-round plan administrative services to you and support to your employees.

🚀 Why Do Small Businesses Choose CHOICE Health plans?
Cost Control – Set your own budget and reimburse only what you can afford.
Employee Choice – Workers choose the health plan that fits their needs, even outside governmental enrollment periods.
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 – the plan is flexible and 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 the business’s CHOICE Health plan allowance to buy individual health insurance that suits them and their family best. They can shop:
• 🏛️ On our Dealer Benefits private health exchange
• 🏢 Directly from insurance carriers
• 🧓 Through Medicare (if eligible)
And thanks to CHOICE Health plan’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

🛠️ Business-based Health Plans Made Easy
Let ush help you launch a CHOICE Health plan 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 and Get Control of Health spend?
If you’re finding it’s time to rethink how you care for your team, check out our new CHOICE Health 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.