Coverage You Control
Individual Coverage Health Reimbursement Arrangements
An Individual Coverage Health Reimbursement Arrangement (ICHRA) is an employer-funded health benefit that reimburses employees for individual health insurance and eligible medical expenses.
It gives employers more control over how they fund benefits, while offering employees the ability to choose coverage that fits their needs.
Explore whether an ICHRA could be the right fit for your business and your team.
Plan on Predictable. Plan on Personal.
Plan on an ICHRA
Traditional group health plans often come with rising costs and coverage that doesn’t fit every employee’s needs, putting both businesses and employees in a tough position.
ICHRAs offer a different approach. Instead of a one-size-fits-all group plan, employers provide a set, tax-free contribution that employees can use to purchase individual health insurance and cover eligible medical expenses.
This model gives employers greater cost control through defined contributions, while empowering employees to choose the plan and carrier that meets their unique needs, making coverage more personal, flexible, and aligned to today’s workforce.
A Leader in Individual Coverage. An Advocate for ICHRAs.
Ambetter Health Solutions offers high-value individual Marketplace plans that work with ICHRAs, allowing employees to be reimbursed for eligible coverage. We support a benefits approach built on choice, where employees select the coverage that’s right for them. Whether that’s an Ambetter Health plan or another option available in the marketplace, we’re confident in our network, pricing, and member experience. We earn trust one member at a time.
For employers considering an ICHRA, implementation includes key steps like evaluating a platform partner, setting contributions, and preparing employees for enrollment – with support for both employers and employees along the way . Throughout the entire ICHRA journey, benefits advisors and brokers play a key role in guiding decisions and supporting long-term strategy development and success.
Having consistently been #1 in the marketplace,* we know that when employees have the power to choose, they often choose Ambetter Health.
ICHRA vs Group Health Insurance
ICHRA
Cost structure: Employer-defined
Plan choice: Individual plans
Geographic flexibility: High
Administration: Can be streamlined
Group Health Insurance
Cost structure: Premium-based
Plan choice: Fewer options
Geographic flexibility: Limited
Administration: Can be more complex
Key ICHRA Benefits
- Greater flexibility compared to traditional group plans
- Predictable budgeting for employers
- Personalized plan choice for employees
- A smarter way to control benefit costs
- Support for multi‑location workforces by design
ICHRAs are for Employers of all Sizes Who:
- Are facing rising costs or unsustainable premium increases
- Have a diverse workforce with varying healthcare needs
- Want to offer health benefits and more choice to attract and retain talent
- Are looking to reduce the administrative burden of traditional group health plans
Talk With Our Team
Considering an ICHRA raises new questions. Our team is here to help.
*Statistical claims and the #1 Marketplace Insurance statement are in reference to national on-exchange marketplace membership and based on national Ambetter data in conjunction with findings from 2025 Rate Review data from CMS, 2025 State-Level Public Use File from CMS, state insurance regulatory filings, and public financial filings.
Ambetter Health Plans designed for ICHRAs are only available to residents in Georgia, Indiana, Missouri, Ohio, South Carolina, Arizona, Florida, Tennessee, Mississippi, Texas, Oklahoma, Kansas, and Nebraska and may not be offered in other areas. Product availability and plan design may vary by state and are subject to regulatory approval.
If your employer offers an ICHRA, you may not be eligible for premium tax credits (financial assistance) through the Marketplace. This is because your employer's contribution factors into the affordability of your health plan.