ICHRA lets you offer real health benefits at any budget. Set a fixed monthly allowance, employees pick their own plan, you reimburse tax-free — whether you're starting fresh or replacing a plan that stopped making sense.
These are the reasons most employers start looking at ICHRA.
Your group plan premium changes every year based on your employees' claims. One bad year and everyone pays. ICHRA gives you a fixed monthly amount you set — permanently.
Traditional group plans require 70%+ employee participation. If yours don't enroll, you lose coverage entirely. ICHRA has zero minimums — offer benefits to any employee, any time.
Managing one group plan for a multi-state team means network gaps and compliance headaches. ICHRA works identically in all 50 states — each employee picks what works in their market.
A $400/month taxable stipend loses roughly 30% to FICA and income taxes before it helps anyone. The same $400 as an ICHRA allowance goes to the employee 100% intact, tax-free.
Group plan quotes come back at $500–$800+ per employee per month — before anyone uses it. ICHRA lets you start at any budget that works for your business, even $100/month, and still give employees a real, tax-free health benefit.
A tax-free way for employers to fund health insurance — without picking the plan.
01
You set a budget
Pick a fixed monthly allowance per employee. That is your maximum cost — always.
02
Employees choose
Each employee picks any ACA marketplace plan — their doctors, their budget, their call.
03
You reimburse
Employees submit proof of coverage. ICHRA administration platforms handle the verification and reimbursement automatically — it runs in the background with minimal involvement from you.
The reimbursement process is handled for you.
ICHRA administration platforms — like the ones OTB Solutions LLC works with — automate enrollment verification, reimbursement processing, and compliance documentation. Most employers spend less than 30 minutes a month. It runs quietly in the background.
Set a fixed monthly allowance per employee. No more surprise premium increases based on claims experience.
Employees choose from dozens of marketplace plans that fit their doctors, needs, and budget — not one carrier's limited network.
ICHRA is an official IRS regulation (2020) satisfying ACA employer mandate requirements when properly structured.
Unlike group plans, ICHRA has no minimum contribution amounts and no employee participation thresholds.
Multi-state teams are fully covered. Each employee participates in their local ACA marketplace — no network gaps.
No carrier negotiations, no network management. Approve monthly reimbursements through a simple admin platform.
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OTB Solutions LLC is a consulting firm building digital tools at the intersection of AI and insurance. We help employers of all sizes discover, evaluate, and implement modern benefits strategies — cutting through complexity so you can make confident, informed decisions for your team.
Questions? Reach us at chris@solutionotb.com
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