Give Every Employee the Coverage They Actually Want With ICHRA

With an ICHRA (Individual Coverage Health Reimbursement Arrangement), you set the budget, employees choose their plan, and the rest is handled.

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Who Is ICHRA For?

Growing Businesses

Predictable costs and coverage that adjusts with your team.

Mixed Employee Types

Covers every worker type and pay structure: full-time, part-time, seasonal, salaried, or hourly.

Multi-State Teams

Employees shop locally; allowance adjusts automatically.

First-Time Benefits

A lower-cost way to start, no group minimum required.

Rethinking Current Plan

Replace the annual renewal scramble with a fixed budget.

Why ICHRA Beats a One-Size-Fits-All Group Plan

Group premiums keep climbing, and many businesses can only afford one plan for everyone, so some employees overpay and others go without. ICHRA flips that: no employee minimums or maximums, you set the budget, and each employee picks the plan that fits their needs.

HR professional meeting with employees to help enroll in benefits

How ICHRA Works

You Decide What To Contribute

Choose a fixed monthly allowance per employee, the same for everyone or adjusted by age, location, or family size.

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Coverage That Matches Their Life

Employees compare individual health plans and pick what fits their doctors, prescriptions, and needs. They're never shopping alone – licensed advisors are available to help guide the decision.

Employees at a large business working together

Wellness Dollars That Don't Go To Waste

Leftover allowance doesn't disappear. Employees can put it toward a curated marketplace of wellness products and services, from fitness to mental health support to everyday health needs.

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Admin Handled, Compliance Supported

Enrollment, reimbursements, payroll integration, and compliance requirements are handled behind the scenes and flagged, so you always know what needs your attention.

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A Win for Your Business, and Your People

Predictable Costs

Plan your budget a year out, with no surprise renewal hikes for your business.

Built-In Tax Savings

Tax-free contributions for you, tax-free premiums for your team.

No Annual Renewals

Skip the yearly rate scramble that eats up your time.

Real Choice, Real Retention

Employees who pick their own coverage are more likely to stick around.

Pre-Tax Premiums

Employees stretch their healthcare dollars further, every paycheck.

Benefits Your Team Will Use

Unused allowance goes toward wellness, not to waste.

Why Businesses Are Making the Switch

$1,620

Avg. annual savings per employee*

Hours saved per year on benefits administration*

1 in 3

Employees choose a different carrier when given options*

Your Path to Better Benefits With ICHRA

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Request a Quote

Fill out a form to request a free quote with a Paychex expert.

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Talk Through Your Needs

Speak with a Paychex benefits specialist to evaluate fit, review needs, and set the reimbursement budget.

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Get Set Up

Complete setup with Paychex, so your ICHRA is ready to go.

Step 4 take advantage of what a PEO can offer

Employees Enroll, You’re Supported

Employees enroll in the individual plans that fit their needs, with compliance, reimbursements, and payroll integration support built into the program.

Still Stuck With a One-Size-Fits-All Plan?

See how ICHRA can lower your costs and give your team real choice. Get a free quote and find out if it's the right fit for your business.