Simplify employee health insurance with ICHRA

zizzl health’s Individual Coverage Health Reimbursement Arrangement (ICHRA) lets employees use pre-tax dollars to choose the plan that fits them best. It’s customizable, cost-effective, and puts employees in control.

See why employers choose ICHRA

Understanding ICHRA

ICHRA is a tax-advantaged benefit that reimburses employees for health insurance premiums and medical expenses. It provides the flexibility to select healthcare coverage that best suits their needs while offering employers control over their budget.

Personalized health plans, simplified administration.

Give your employees the ability to choose the health insurance plan that fits them best—no more one-size-fits-all.

Have more questions about how ICHRA works?

VIEW FAQS

Why choose ICHRA?

Financial control:

Set clear, predefined contributions that match your budget.

Easy to use:

Simplify administration and say goodbye to complicated plan renewals.

Employee choice:

Let employees choose from a variety of quality plans—boosting satisfaction.

Compliance and savings:

Fully ACA-compliant, ICHRA offers the same tax advantages as traditional group insurance plans.

ICHRA drives real results

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of members report equal or greater satisfaction after switching from traditional group coverage to ICHRA1

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of members reported a positive experience with the transition to ICHRA1

0

of ICHRA recipients are satisfied with the number of plans to choose from, compared to only 44% of members with traditional group coverage1

See the real data from real health plans backed by Deft Research for yourself.

Health coverage isn’t one-size-fits-all

Why choose ICHRA?
ICHRA takes the burden of health plan management and underwriting off employers’ shoulders. Now, businesses can provide their team with a fixed dollar amount for their health plans. And health conditions or claims have zero affect on rates.
Who can offer or participate in ICHRA?
Any size employer can offer ICHRA, and any kind of employee (full-time, part-time, contractor, etc.) can participate in ICHRA.
Are ICHRA plans ACA and COBRA compliant?
Yes, ICHRA plans are ACA compliant. COBRA also applies for employers subject to ERISA law. However, state continuation does not apply. zizzl health’s team of experts will help you navigate every regulatory requirement with confidence.
Are ICHRA plans FSA and HSA compatible?
Yes, employers can offer FSAs, HSAs, or both along with ICHRA plans. Even better, our full benefits suite—including dental, vision, and life insurance—can be administered directly through the zizzl health platform.
How are premiums paid?
Employers pre-pay the full premium and recoup the employees’ contribution via a payroll deduction.
Is ICHRA right for my team?
ICHRA offers unmatched freedom, convenience, and plan savings. zizzl health supports your employees at every step of the journey with education and guidance through our easy-to-use website or in-app platform.

Employers, ready to take the next step towards better benefits?

Download this quick guide and share it with your broker to get started.

1 Deft Research. (2024). Commercial Group and ICHRA Study.

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