An Individual Coverage HRA (ICHRA) is a modern alternative to traditional group health insurance for Ohio employers. Instead of choosing one group plan for everyone, you fund a tax-free monthly allowance and let each employee buy the individual plan that fits them best. ICHRA works for any size employer and gives you complete cost control.
How ICHRA Works in Ohio
- You set a monthly reimbursement allowance — and you can vary it by employee class and by age.
- Employees buy their own individual health plan on HealthCare.gov or directly from an Ohio carrier.
- Employees submit proof of coverage, and you reimburse them tax-free through payroll.
Ohio Group Health Insurance Carriers We Represent
As an independent Ohio brokerage, we shop all of these carriers on your behalf and present an objective, apples-to-apples comparison. Select any carrier to learn more.
Why Ohio Employers Choose ICHRA
| Benefit | Detail |
|---|---|
| Predictable, capped cost | You decide the budget; there are no surprise renewal increases on a group plan. |
| No participation requirements | Unlike group plans, ICHRA has no minimum participation or contribution thresholds. |
| Employee choice & portability | Employees pick their own plan and doctors and keep coverage if they leave. |
| Great for mixed workforces | Ideal for remote, part-time, multi-location, or 1099-plus-W-2 teams. |
Is ICHRA Right for Your Ohio Business?
ICHRA is an excellent fit for Ohio employers with remote or multi-state employees, businesses that want a fixed, predictable benefit budget, and companies that couldn’t meet participation requirements for a traditional group plan. It pairs well with the other structures — some employers offer ICHRA to one class of employees and a group plan to another.
Explore Other Ohio Group Plan Types
Level Funded ›Fixed monthly cost with a potential year-end surplus refund.
Self-Funded ›Pay actual claims, keep the savings, full data visibility.
Frequently Asked Questions
What is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement lets an Ohio employer reimburse employees, tax-free, for individual health insurance they buy themselves — instead of offering a traditional group plan. Employees choose their own plan and keep it if they leave.
Is there a minimum group size for ICHRA?
No. ICHRA works for Ohio employers of any size, from one employee to thousands. There are no participation or minimum-contribution requirements like traditional group plans.
Where do Ohio employees buy their ICHRA coverage?
Employees purchase individual plans on the federal Marketplace at HealthCare.gov (Ohio uses the federal exchange) or directly from carriers such as Anthem, Medical Mutual, Molina, or Oscar. We help your team enroll.
Can I offer ICHRA to some employees and a group plan to others?
Yes. ICHRA rules allow you to define classes of employees (for example, full-time, part-time, or seasonal, or by location) and offer ICHRA to some classes while offering a traditional group plan to others, subject to class-size rules.
Set Up an ICHRA for Your Ohio Team
We’ll design your allowance, handle compliance, and help every employee enroll in the right individual plan.
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