The ICHRA calculator

Offer health benefits without a group plan

Set a fixed, tax-free monthly allowance. Your employees pick their own marketplace plans. Your cost never surprises you again. Estimate yours in two minutes.

Fixed, predictable cost
Tax-free for you and them
Any size business
No carrier negotiations

Estimate your ICHRA

Three steps to your number

1Tell us about your team — size, states, full-time or mixed.
2Set monthly allowances for single, employee + spouse, and family tiers.
3See your annual tax-free total; a licensed administrator contacts you to set it up.

Estimates only — final ICHRA design, compliance documents, and administration are handled by a licensed administrator, and individual plans are sold by licensed producers.

Understand the model

ICHRA, explained honestly

What is an ICHRA?

An Individual Coverage Health Reimbursement Arrangement lets a business of any size reimburse employees, tax-free, for individual health plans they choose themselves. Legal since 2020, it replaces the one-size-fits-all group plan with a defined monthly allowance you control — no participation minimums, no renewal negotiations, no carrier lock-in.

ICHRA vs. group plan cost

With a group plan, your cost moves with the carrier's renewal — often up 8–15% a year. With an ICHRA, your cost is exactly the allowance you set, forever, until you change it. Employees shop with real prices (often subsidy-free but allowance-funded), and unused amounts can stay with you depending on design. The trade-off: employees do their own choosing, which is where good comparison tools and a licensed agent come in.

How employees shop with an ICHRA

Each employee gets their allowance, then picks any marketplace plan in their area — our quote tool shows live prices, networks, and metal levels. A licensed agent helps each person enroll during a special enrollment window triggered by the ICHRA offer, and reimbursements flow automatically once the administrator verifies coverage.

Read the full ICHRA vs. group plan comparison