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Let's find the right
benefits fit for you

ICHRA has a lot of moving parts, but getting started shouldn't be one of them. Whether you're exploring ICHRA for the first time or already a benefitbay partner, tell us a bit about what you need — and we'll connect you with the right person, fast.

It’s easy to get started with ICHRA

Whether you have questions about our services, need assistance with your benefits strategy, or simply want to share feedback, we're here to listen and support you every step of the way. Here are few ways you can connect with us:

Brokers

Are you a broker or client service team member interested in learning more about ICHRA (CHOICE) or seeing if it's a fit for your clients?
  • Contact sales

Employers

Are you a current benefitbay customer or partner in need of assistance? E-mail support@benefitbay.com or sign in to the platform to chat.
  • Sign in to talk to a Customer Success Manager

Employees

Are you an employee whose company offers an ICHRA through benefitbay? Our Employee Success team is here if you need help with your medical benefits.
  • Sign in to talk to an advisor

Answers to your questions about ICHRA and benefits administration

An ICHRA (Individual Coverage Health Reimbursement Arrangement) —sometimes referred to as a CHOICE (Custom Health Option and Individual Care Expense) arrangement — is an ACA-compliant employer-funded health benefit that gives employees a defined contribution to purchase the health plan of their choice on the individual market. Instead of selecting one group health plan for everyone, the employer sets its contribution strategy and employees choose qualifying individual coverage that best fits the needs of their family.
Employers of any size can offer an ICHRA (CHOICE) arrangement if they have at least one W-2 employee. Employers can offer it to all eligible employees or to certain permitted employee classes, such as full-time, part-time, salaried, non-salaried, seasonal, or location-based employees. Employers cannot offer both an ICHRA and a traditional group health plan to the same class of employees.
No. An ICHRA (CHOICE) arrangement has no federal annual maximum employer contribution requirement. Employers choose how much to contribute, subject to applicable rules. Contribution amounts can vary by permitted employee class, age, and number of dependents, but employees within the same class must generally receive the contribution on the same terms. Applicable Large Employers (ALEs) will also be beholden to the Affordable Care Act (ACA) affordability requirements.
Yes. Employees own the individual health insurance coverage they select through an ICHRA (CHOICE) arrangement, so they can to keep that coverage after leaving the company as long as they continue paying premiums. The employer’s ICHRA (CHOICE) contribution ends when employment and eligibility end.