ICHRA

The Flexible Path to Better Benefits and Lower Costs

Give every employee a tax-free monthly allowance. They choose their plan. You control your budget. Enough! Health administers everything — compliance, reporting, employee onboarding, and Care Approved Card access.

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ICHRA in Plain English

No jargon. Here's exactly how it works.

Individual Coverage HRA

ICHRA is a type of Health Reimbursement Arrangement that lets employers give employees a defined monthly dollar amount to buy their own individual health insurance.

Tax-Free for Everyone

Employer contributions are tax-deductible. Employees receive the allowance tax-free. No payroll taxes on either side.

You Set the Budget

Choose different allowance amounts for different employee classes (full-time vs. part-time, salaried vs. hourly, geographic location, etc.).

How ICHRA Reduces Benefit Costs

Three structural inefficiencies in traditional group plans — and how ICHRA removes each one.

Eliminate Group Plan Administrative Overhead

Traditional group plans carry substantial administrative fees. ICHRA replaces that with a flat $45/employee/month Enough! Health admin fee.

End Adverse Selection Pooling

Group plans pool all employees together — your healthy 28-year-olds subsidize the high-cost claims of others. ICHRA puts employees on individual risk pools appropriate to their own health profile.

Replace Commercial Network Pricing

Employees who choose Enough! Health Insurance individual plans access self-pay rates through the Care Approved Card — transparent and published upfront.

Side-by-Side Comparison

See exactly how the structures stack up.

Feature	Traditional Group	ICHRA Only	ICHRA + Enough! Health Insurance
Monthly employer cost / employee	~$650	Flexible (you set it)	$149–299
Employee premium ownership	$0	$0	Stays in their Reserve account
Annual cost increases	8–12%	Controlled	Negotiated flat
Employee plan choice	None	Full marketplace	Enough! Health Insurance + marketplace
Admin complexity	High	Moderate	Low (Enough! Health manages)
ACA compliance	Yes	Yes	Yes
Tax-free employer deduction	Yes	Yes	Yes

Calculate Your Savings

Enter your employee count and current costs to see estimated savings.

Estimate Your ICHRA Savings

Adjust the inputs below to see your potential savings.

Number of Employees

employees

Avg. Monthly Premium / Employee

Current Admin Fee

Estimated Results

Current Annual Spend

$390,000

ICHRA Annual Spend

$177,000

Annual Savings

$213,000

Per-Employee Savings

$4,260

Estimates assume $250/mo employee allowance + $45/mo Enough! Health admin fee. Actual savings will vary based on plan design and employee choices.

Up and Running in 3 Weeks

From signed agreement to employee enrollment in 21 days.

Week 1

Plan Design

Choose allowance amounts by employee class
Set eligibility rules
Select plan year dates

Week 2

Legal & Compliance

ICHRA plan document prepared
Summary Plan Description (SPD)
ERISA-compliant notice templates

Week 3

Employee Onboarding

Employees receive allowance notification
Individual plan enrollment
Individual Premium Reserve integration (included)

Frequently Asked Questions

Is ICHRA ACA compliant?+

Yes. ICHRA is authorized under federal law and is ACA-compliant. Employees who receive ICHRA funds and use them to purchase ACA-qualifying individual coverage satisfy the employer mandate for applicable large employers (ALEs).

What happens to unused allowance?+

Unused monthly ICHRA funds can be carried over (you set the carryover policy) or forfeited at year end. Enough! Health recommends allowing unused funds stay in their Individual Premium Reserve.

Can I offer different amounts to different employees?+

Yes. ICHRA allows different allowance amounts for different 'classes' of employees — full-time vs. part-time, hourly vs. salaried, geographic location, and more.

What if an employee doesn't buy insurance?+

Employees must maintain qualifying individual coverage to use ICHRA funds tax-free. Enough! Health's enrollment system confirms coverage before reimbursing.

How long does implementation take?+

Three weeks from signed agreement to employee enrollment. Most of that time is preparing plan documents and employee communications.

Enough! Health is not a retirement account, investment vehicle, or brokerage product. The Individual Premium Reserve is a health plan feature, not a securities product.

Ready to calculate your savings?

A 30-minute consultation includes a side-by-side cost comparison for your employee count, current premiums, and state.

Schedule a Consultation employers@joinenoughhealth.com