Ambetter Health and ICHRA: Personalized Coverage for Modern Health Plans
At Ambetter Health, our mission is simple: to provide high-quality, affordable health care to the communities we serve - one person at a time. Ambetter Health is the largest carrier of individual plans in the U.S., serving over 3 million members. We believe in providing high-value, low-cost health benefits without compromise.
As a core part of the Centene ecosystem, we leverage our national scale and local expertise to offer health insurance plans that truly fit the lives of our members. Unlike many other carriers, the marketplace is how Ambetter Health earns our members, including those with ICHRAs.
Better Coverage. Better Perks.
Plans for any budget
24/7 virtual care
Pregnancy and postpartum support
Care management for mental and physical health
Up to $500* in member rewards for completing qualifying health activities
Cost- and time-saving pharmacy program
Exclusive member perks and discounts
Why Ambetter Health Is a Leading ICHRA Carrier
Ambetter Health is America's #1 Marketplace Health Insurance carrier.† Our commitment to human services and community wellness is backed by the stability of Centene Corporation, a Fortune 50 company.
- A Vision from Ambetter Health Leadership: Under the strategic direction of our executive team, we have pioneered the shift toward defined-contribution models, making cost control a reality for employers and choice a reality for employees.
- National Reach, Local Care: We provide health insurance coverage in more than 25 states, with ICHRA-compatible Ambetter Health Solutions plans available in 13 states, and expanding.
Why Ambetter Health is the #1 Choice for Employees on an ICHRA
Market-Leading Choice
As a consistently top-ranked marketplace carrier, we offer the stability and variety that ICHRA administrators, brokers, and employees count on when selecting a health insurance plan.
Care That Goes Beyond the Basics
We believe health care is a local service. Our coverage is designed to support not just medical needs, but the broader well-being of our members, from mental health resources to community-based wellness programs.
Simplified Cost Control
We work alongside the leading ICHRA benefit administrators to make the transition from traditional group coverage to an ICHRA as smooth as possible. We help employers achieve cost control without sacrificing the quality of the benefits they offer.
Part of the Centene Family
As part of the Centene network, Ambetter Health is designed to meet the needs of individuals and families. Ambetter Health offers affordable, flexible plan options and value-added benefits like telehealth and rewards for healthy living.
Serving over 3 million members in the individual market, Ambetter Health focuses on delivering reliable, high-quality healthcare benefits that adapt to the changing needs of its members and the market, including rising costs, coverage gaps, and consumer demand for flexibility and choice.
(As of 12/31/2025)
What Do You Want to Explore Next?
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Considering an ICHRA raises new questions. Our team is here to help.
*Funds expire immediately upon termination of insurance coverage. Healthcare-related costs will vary by member and the plan in which you are enrolled. My Health Pays® rewards can be used for pharmacy cost share at Hy-Vee* and Walmart and at a mail order pharmacy (currently Express Scripts). *Hy-Vee is currently available in select states. Find a store at www.hy-vee.com/stores. Rewards cannot be used to purchase alcohol, tobacco, firearms products, lottery tickets, gift cards, or for cash.
NH: Consult a tax professional to understand any possible tax implications for the My Health Pays program.
AZ, NV: Rewards cannot be used to pay premiums.
†Statistical claims and the #1 Marketplace insurance statement are in reference to national on-exchange marketplace membership and based on national Ambetter Health data in conjunction with findings state insurance regulatory filings and public financial filings.