Each employee gets a tax-free monthly budget and picks their own plan. Your cost stays flat all year, whether you have ten people or five hundred.
ICHRA is short for individual coverage HRA. It is federal law, it has been available since 2020, and this is the whole mechanism.
Any amount you choose. It can differ by family size or age band, and it is the number your books see. It does not move until you move it.
From the real individual market: HealthCare.gov or straight from the carriers. The 26-year-old picks what fits them, the 55-year-old picks what fits them. We help every single one choose.
Their premium comes out of the budget you set, free of payroll tax for you and income tax for them. Coverage belongs to the employee, so it goes with them if they ever leave.
Employers in the states we serve average north of $700 per employee, per month, on group coverage. That is the bar your renewal keeps raising.
Individual plans often start around $450 for the same decision, made person by person and priced by age instead of blended across the whole roster.
And there are no participation minimums, so the math works at any headcount, from your first hire up to a few hundred.
Sources: public employer filings and published marketplace rates in the states we serve. Actual prices depend on age and county.
The increase lands a few weeks before you have to sign, and your only real move is to take it. An ICHRA replaces that with a number you control. Before you re-sign, see the two side by side.
See the side-by-side →If you priced coverage once and shelved it, the math has changed. Plans for a worker in their 30s often run around $450 a month in our states, with no participation minimum and no plan for you to administer.
See what it would cost →Health benefits are making the same shift retirement made when pensions gave way to 401(k)s: the employer sets the contribution, the person owns the plan.
Solvara Cares is an independent brokerage run by Matt Swango, working with employers across Ohio, Indiana, the Carolinas, and Georgia. Matt builds your estimate, designs your budget, and sits with your employees at enrollment. If the math does not beat what you have today, he will tell you that, too.
A licensed insurance producer since 2018, with the last several years focused on ICHRA. Every estimate that leaves Solvara is his work. [Credentials, if any]
Setup, paperwork, carrier back-and-forth, and the questions in between. You set the budget once; the rest runs in the background while you run your business.
Picking a health plan is a real decision, so Matt sits down with each employee and helps them make it. Same for every new hire, and every fall at open enrollment.
If yours isn't here, ask. If the numbers do not beat what you have, we will say so.
It is federal law, not a loophole. ICHRAs came out of a 2019 federal rule and have been available since 2020. Tens of thousands of employers run one today, and the reimbursements are tax-advantaged the same way group-plan premiums are.
On the individual market: HealthCare.gov or directly from carriers. That is a real shopping decision, so we sit with each employee and help them pick. Nobody gets handed a website and a shrug.
Their plan changes, so their network can change, and we treat that as the main event. Before anything switches, we sit with each employee, look at the doctors and prescriptions they want to keep, and find a plan that covers them. And the coverage is theirs, so it stays with them even if they leave.
Yes. The rules let you split your workforce into classes, like full-time versus part-time, or one location versus another, and offer the ICHRA to some classes while others stay on a group plan. That is often how bigger companies start.
For you, nothing. The budget you set does not renew and does not spike. Each fall your employees can reshop their plans during open enrollment, and we help them do it.
We design the budget, handle setup and paperwork, help every employee choose and enroll, and stay on as your broker year-round: new hires, life changes, open enrollment. Month to month, reimbursement is a line on your regular payroll run, and we set that up with whoever runs your payroll. One number on your books, one person to call.
Nothing. The estimate is free and built from data we already have: your rough headcount and county are enough to start. No census, no commitment.
What you would likely spend on an ICHRA next to what companies like yours spend today. Built from public data, so we need almost nothing from you.
Request sent. Matt will email your numbers within one business day.
Tell us who you are and roughly how many people you have.
We build the estimate from public data. Nothing else needed from you.
You see your likely cost next to what companies like yours pay today.