Smart New Health Solution for Dealers – ICHRA

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More small businesses are giving workers money to buy their own health insurance using a new option that’s sweeping the nation*. It’s called ICHRA – Individual Coverage Health Reimbursement Arrangement.

Health Solution with Business Cost Controls

ICHRA lets businesses control cost by setting a budget for pre-tax monthly contributions to employees so they can shop for their own individual Health plans and reimburse for premiums and medical expenses.

ICHRA gives small businesses a flexible, tax-advantaged option that benefits workers, instead of simply sending them to the public health exchanges to fend for themselves or traditional group plans.

ICHRA contributions from the business are tax-free reimbursements to employees with no income or payroll tax.

We’re making Health benefits more affordable and easier to manage for your business – even if you’ve never offered Health benefits.

The Dealer Benefits program is making ICHRA plans available through eHealth, our trusted, long-time benefits partner. eHealth provides year-round dedicated support, including complete plan set-up and day-to-day administration, technical help and employee shopping guidance.

eHealth will help your small business design an ICHRA plan to fit your cost control parameters, customize eligibility without restrictions to the owner and employees by class, location or status and give employees the ability to choose an individual or family health plan that best fits their personal and family needs without public exchange enrollment period restrictions.

Get a free quote and ICHRA consultation from eHealth today. Click the Get Started button.

* Yahoo Finance – August 16, 2025. The number of people covered by ICHRAs jumped 50% from 2024 to 2025.

What Can an ICHRA Health Plan do for your Business?

ICHRAs were created by federal regulations issued in 2019 and have been gaining popularity among employers each year since.

For decades employers have sought a way to shift away from traditional employer-sponsored health insurance to a defined contribution approach not unlike 401k retirement plans – giving employees a fixed amount of money with which to buy health coverage themselves. Before ICHRA, there was no practical way to do that due to regulatory, market and administrative hurdles.

Besides helping you manage costs, the new ICHRA option provides a number of important benefits:

• Employees pick their own individual health plans to meet their personal and family needs.

• Any difference between your ICHRA contribution and the premium of the health plan selected by the employee can be deducted from payroll pre-tax, further increasing the value to the employee.

• No minimum participation is required. If they choose, employees can waive coverage.

• Employees can enroll outside of government enrollment periods.

• All employees can participate, including part-time and seasonal workers.

• You retain greater control over health benefit costs.

• Coverage is portable – employees can keep their plan even if they leave your business (though employer contributions stop).