ICHRA/Group
Looking for a modern, customizable approach to employee health coverage? Our agency offers Individual Coverage Health Reimbursement Arrangements (ICHRA) and group benefits solutions for employers in all 50 states. Navigating employee health benefits doesn’t have to be complicated. Whether you're a small business, nonprofit, or growing organization, we offer customized solutions that meet your team’s needs and your budget.
What Is ICHRA?
Individual Coverage Health Reimbursement Arrangements (ICHRA) allow employers to reimburse employees tax-free for individual health insurance premiums and qualified medical expenses. Instead of offering a one-size-fits-all group plan, ICHRA gives employees the freedom to choose the coverage that works best for them, including ACA Marketplace plans.
ICHRA is ideal for:
- Small businesses seeking flexibility and cost control
- Employers with remote or multi-state teams
- Organizations looking to avoid traditional group plan complexity
- Faith-based or mission-driven groups wanting personalized options
Why choose us? We help you:
- Set up and administer your ICHRA
- Stay compliant with IRS and ACA rules
- Educate employees on their coverage choices
- Streamline transactions and documentation
Book some time with us to see if ICHRA is a good fit for your business.
Why Consider an ICHRA?
Cost savings
Cost savings
Cost savings
A defined contribution model allows employers to unlock significant cost savings.
Retention
Cost savings
Cost savings
In today's job market, health benefits are essential. ICHRA gives employees control over their health insurance.
Flexibility
Cost savings
Flexibility
IHRA allows you to create a customized benefit tailored to the unique needs of your business and employees.
Control
Tax efficiency
Flexibility
ICHRA takes employers out of the risk and gives them total control over their benefits budget, allowing for more predictable and manageable costs.
Tax efficiency
Tax efficiency
Tax efficiency
ICHRA contributions are tax-free and not subject to FICA. Employers can deduct the sum of annual contributions, and employees do not pay taxes on ICHRA dollars.
Administration
Tax efficiency
Tax efficiency
Ezra simplifies reporting and administration, handling all 1094/1095, Form 5500, W2 reporting, and ACA compliance.
How it works
Ezra
Employer
Employer
With access to several unique partner solutions, we ensure that your benefit package is perfectly suited to your specific requirements.
Employer
Employer
Employer
Ezra helps you design the perfect ICHRA using 11 different benefit classes, tailoring the benefit to meet your unique needs and maximize cost savings.
Employee
Employer
Employee
Ezra helps your employees find the perfect health insurance plan at no extra cost, offering personalized guidance and ongoing support.
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CMS Required Disclaimer Statement per new regulation effective 10/1/2023: "We do not offer every plan available in your area. We work with over 10 major carriers in Minnesota and all the plans offered by those carriers. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options." In addition, CMS requires that all Medicare-related "sales" calls are recorded. Thank you for helping us stay compliant so we can continue to serve you!
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