Cut Healthcare Costs Without Cutting Coverage
Discover how ICHRAs give your employees better health benefits while saving your business money. Download our free whitepaper today.
What You'll Learn in the Whitepaper
How ICHRAs Work
Complete overview of the ICHRA structure. Understand eligibility classes, contribution strategies, and employee enrollment processes.
Real Cost Savings
Actual examples from businesses of all sizes. See potential savings compared to traditional group plans.
Implementation Guide
Step-by-step setup instructions and timelines. Navigate plan design, employee communication, and ongoing administration.
Compliance Made Simple
ACA requirements, IRS regulations, and state considerations. Avoid penalties with proper ICHRA administration.
Meet the Solution: Individual Coverage HRAs
Control Your Budget
Set fixed monthly reimbursements per employee. No surprise premium increases or renewal shocks.
Empower Employees
Workers choose their own individual health plans. They get coverage that fits their specific needs.
Stay Compliant
ICHRAs meet ACA requirements when properly administered. We handle the complex compliance details.
Our comprehensive whitepaper breaks down exactly how ICHRAs work. You'll learn implementation steps, compliance requirements, and real savings examples.
Transform Your Benefits Strategy Today
30%
Average Savings
Businesses typically save 20-40% compared to traditional group health plans.
100%
Employee Choice
Workers select plans that match their individual healthcare needs and preferences.
$0
Download Cost
This comprehensive whitepaper is completely free. Get actionable insights at no cost.
Don't let rising healthcare costs limit your ability to compete. Download our free whitepaper and discover how ICHRAs can revolutionize your benefits strategy.
The Problem with Traditional Group Plans
Rising Costs
Group health insurance premiums increase 5-10% annually. Small businesses struggle to keep pace with these rising costs.
Compliance Complexity
ACA regulations create administrative burdens. Penalties and paperwork consume valuable time and resources.
Limited Choices
Employees are stuck with one-size-fits-all plans. Individual needs and preferences often go unmet.
Budget Uncertainty
Unpredictable premium hikes make financial planning difficult. Businesses need more control over benefit spending.
You want to offer excellent benefits to attract and retain talent. But traditional group plans make that goal increasingly difficult to achieve affordably.
Is ICHRA only for large companies?
No. ICHRAs work for businesses of all sizes, from one employee to thousands. They're especially beneficial for small and medium employers.
How do I know if it's right for my business?
Our whitepaper includes a decision framework. Consider your budget, workforce demographics, and benefits goals to determine fit.
How much can I contribute?
You set the contribution amount based on your budget. Contributions vary by employee class but remain predictable and controllable.
Is it compliant with the ACA?
Yes. ICHRAs satisfy ACA employer mandate requirements when properly structured. CafeHealth ensures your plan meets all regulations