ICHRA Stories
Real Experiences & Insights from Employers, Employees & Brokers
Wondering what ICHRA looks like in practice? Hear testimonials directly from employers, employees, and brokers as they share real experiences with Individual Coverage Health Reimbursement Arrangements (ICHRAs), offering practical insights, lessons learned, and perspectives on personalized health coverage, employee choice, and cost control.
Rush Memorial
Operating on tight margins as a rural critical access hospital in Rushville, Indiana, Rush Memorial Hospital and its team struggled to predict healthcare costs under a self-funded model that shifted unexpected claims back to the organization. Transitioning to an ICHRA brought more predictable budgeting, significant cost savings, and the ability to reinvest in the hospital while offering employees more personalized coverage options.
Size: 350 Employees
Previous Benefit Model: Self-Funded w/ Stop-Loss
ICHRA Financial Impact: $2.25M Annual Savings
ICHRA Employee Response: Skepticism, Then Enthusiasm; Stronger Recruiting & Retention
Allies for Health + Wellbeing
As a nonprofit healthcare and human services provider in Pittsburgh, Pennsylvania, Allies for Health + Wellbeing was facing steep increases under its traditional group plan, including a 44% renewal that put pressure on both its budget and long-standing benefits strategy. Through an ICHRA, the organization was able to stabilize costs, maintain strong coverage for employees, and redirect meaningful savings back into staff support and community programs.
Size: 50 Employees
Previous Benefit Model: Group Insurance
ICHRA Financial Impact: $1.2M Savings
ICHRA Employee Response: Skepticism, Then Enthusiasm
Pawsitively Perfect
As a pet grooming business in Dayton, Ohio, Pawsitively Perfect struggled to offer affordable health coverage in an industry where benefits are rarely available, leaving employees to manage care out of pocket in a physically demanding job. Adopting an ICHRA model allowed the owners to set a monthly contribution, provide access to healthcare, and improve morale and retention without significantly increasing overhead.
Size: 20 Employees
Previous Benefit Model: No Health Coverage
ICHRA Financial Impact: Affordable Healthcare for All
ICHRA Employee Response: Morale Boost, Stronger Retention
Explore ICHRA Resources
Ready to Create Your Own ICHRA Story?
Whether you're an employer looking for more flexibility, a broker exploring new solutions for clients, or an employee seeking coverage that fits your needs, an ICHRA offers a new path forward.