Set Up Your Own ICHRA — Or Let Us Do It for You
Download the free DIY ICHRA Document to learn how to create your own compliant, cost-effective health plan — step by step. Gain control over your benefits strategy while keeping costs predictable.
What's Inside the DIY ICHRA Document
This comprehensive guide provides everything you need to set up a compliant ICHRA on your own. It's 100% free, with no obligations or hidden costs. You'll receive practical tools and clear instructions that demystify the entire process.
01
Step-by-Step ICHRA Setup Checklist
Clear instructions from initial planning through full implementation, ensuring you don't miss any critical steps
02
Contribution and Compliance Guide
How to set appropriate reimbursement amounts while meeting all ACA, ERISA, and IRS requirements
03
Employee Notice Templates
Pre-written, compliant communication templates to inform employees about their new benefit options
04
Tax and Reimbursement Instructions
Detailed guidance on tax-advantaged reimbursements and proper documentation for your records
05
Optional CafeHealth Administration Pathway
Information on how we can take over administration if you decide expert management is right for you
ICHRAs: Modern Benefits with Predictable Costs
Individual Coverage Health Reimbursement Arrangements (ICHRAs) represent a smarter approach to employee benefits. Instead of paying unpredictable group premiums, you set a fixed monthly contribution for each employee. They choose their own health insurance plan, and you reimburse them tax-free.
Predictable Budgets
Set contribution amounts that fit your budget — no surprise renewals or rate hikes
Employee Choice
Workers select plans that match their needs and preferred doctors
Full Compliance
Meet ACA requirements while maintaining flexibility and control
Our DIY (Do It Yourself) ICHRA Document walks you through setting contribution limits, designing employee classes, meeting compliance requirements, and communicating the new benefit to your team. If you prefer a done-for-you solution, CafeHealth can handle everything automatically.
Choose Your Path: DIY or Done-For-You
Option 1: DIY (Do It Yourself) Setup
Download the comprehensive free guide
Follow our proven step-by-step process
Stay in full control of implementation
Access templates and compliance checklists
Set up at your own pace
Perfect for hands-on business owners who want to understand every detail and maintain direct oversight of their benefits program.
Option 2: CafeHealth Administers
Download the comprehensive free guide
Follow our proven step-by-step process
Stay in full control of implementation
Access templates and compliance checklists
Set up at your own pace
Perfect for hands-on business owners who want to understand every detail and maintain direct oversight of their benefits program.
Rising Premiums, Unpredictable Renewals, Zero Flexibility
Traditional group health plans leave you at the mercy of insurance carriers. Annual premium increases of 10-20% are common, and you have little control over plan design or costs. Your employees are stuck with one-size-fits-all coverage that rarely fits anyone perfectly.
Many business owners want to offer better benefits but feel trapped by complexity and uncertainty. The DIY ICHRA Document gives you the roadmap to break free from this cycle — showing you exactly how to design a benefits program that works for your business and your team.
Trusted Expertise in Healthcare Reimbursement
CafeHealth is led by Brooks Knoll, a healthcare reimbursement specialist with deep TPA experience, and Shannon Rogers, our ICHRA consultation lead who guides employers through compliant implementation. We help businesses nationwide implement automated reimbursement plans that save money and time.
5+
Years of TPA Experience
Proven track record in benefits administration
100+
Employers Served
Trusted by businesses across America
5+
Compliance Rate
Full ACA and IRS regulatory adherence
Whether you choose to implement ICHRA yourself or partner with us for full administration, you're backed by experts who understand the complexities of healthcare reimbursement and are committed to your success.
Is the DIY ICHRA Document really free?
Yes, completely free with no strings attached. We believe in educating employers about their options. There's no obligation to use CafeHealth's services — the guide is yours to keep and use however you choose.
How hard is it to set up an ICHRA myself?
With our step-by-step guide, most employers can complete the setup process in 2-4 weeks. The document breaks down each requirement into manageable tasks with clear instructions and templates. If you get stuck, we're here to help.
Is the DIY version still compliant with the ACA?
Absolutely. The DIY ICHRA Document includes all compliance requirements for the Affordable Care Act, IRS regulations, and ERISA rules. We've designed it to ensure your ICHRA meets federal standards when properly implemented following our guide.
What if I prefer CafeHealth to manage it for me?
That's exactly why we offer full administration services. Many employers start with the DIY document, then choose our managed solution for peace of mind. We handle compliance, reimbursements, employee questions, and all ongoing administration.