An individual coverage health reimbursement arrangement (ICHRA) is an employer-sponsored benefit that allows organizations to provide tax-free contributions employees can use toward individual health insurance premiums and eligible medical expenses. Unlike traditional group health plans, ICHRA gives employees more flexibility to choose coverage that fits their needs.

Is ICHRA only for small employers?

No. Employers of all sizes use ICHRA to provide flexible health benefits.

Do employees have fewer health plan options with ICHRA?

No. ICHRA often gives employees access to a wider range of individual health plans. Instead of choosing from a limited number of employer-selected group plans, employees can compare available options and select healthcare coverage based on their providers, prescriptions, budget, and healthcare needs.

Can an employer switch ICHRA administrators midyear?

Yes. Employers can transition administrators midyear. However, switching administrators doesn't trigger a special enrollment period (SEP) for employees.

What information do I need from my current ICHRA administrator when changing partners?

Employers should request a complete enrollment file, including employee and dependent details, plan IDs, member IDs, contribution amounts, and payment information.

How long does an ICHRA administrator transition take?

The timeline depends on the size of the group, carrier processes, available data, and whether employees are making plan changes. A strong transition partner will help create a clear timeline and guide employers through each step.

Will switching ICHRA administrators affect my employees’ health plans?

It depends on the timing of an ICHRA vendor change. If you’re exploring a midyear change, employees’ plans won’t be impacted, as changing ICHRA vendors doesn’t create an SEP. However, changing vendors during the annual Open Enrollment period would allow employees to change their plans for the new benefit year.

What should I look for in an ICHRA administrator?

You should look beyond tech-only ICHRA platforms and evaluate vendors based on their customer service model, compliance support, and change management.

Holly Bengfort

Holly Bengfort is a content marketing specialist at Remodel Health and PeopleKeep, with three years of experience in HRAs and health benefits. Having experienced the QSEHRA firsthand as an employee, Holly provides invaluable insights into how it can benefit small businesses and their workforce. Before joining the team in 2023, Holly worked in television news as a broadcast journalist. With her experience as a news anchor and reporter, Holly has an exceptional ability to break down intricate stories into clear, compelling narratives that resonate with diverse audiences. Her talent for simplifying tricky topics ensures that everyone can fully grasp important information. Outside of work, Holly enjoys spending time outdoors, staying active, and relaxing on the beach.

Six Common ICHRA Misconceptions Debunked

6 common ICHRA misconceptions debunked

Don't let ICHRA myths hold you and your clients back. We debunk common misconceptions about compliance, plan design, and individual market choices.

Jul 7, 2026 9:30:00 AM 6 min read

How to switch ICHRA administrators: A step-by-step guide

Planning on changing ICHRA administrators? Learn how to smoothly execute a platform takeover without causing coverage gaps.

Jun 30, 2026 11:00:00 AM 6 min read

What we learned about the future of ICHRA at AIM 2026

What does the future hold for ICHRA? Explore key insights from AIM 2026 on market trends, policy updates, carrier investment, and employer adoption.

Jun 25, 2026 10:15:21 AM 5 min read

Choosing ICHRAs vs. self-funded plans

Should you choose a self-funded plan or ICHRA? Compare the predictable costs of ICHRAs against the claims risk and data control of self-insured plans.

Jun 8, 2026 11:30:00 AM 6 min read

Reference-based pricing vs. ICHRA

Compare reference-based pricing vs. ICHRA for your business or clients. Learn how to control rising claims and offer flexible, tax-free health benefits.

Apr 29, 2026 1:11:55 PM 4 min read

A look at Remodel Health's hands-on onboarding approach for ICHRA

See how Remodel Health supports onboarding employees in ICHRA with a hands-on approach that simplifies plan selection, education, and ongoing support.

Apr 1, 2026 11:01:39 AM 5 min read

A broker’s path to ICHRA success with Remodel Health

Grow your book and provide better value with the right ICHRA platform for brokers. Explore Remodel Health’s tools for quoting, compliance, and support.

Mar 26, 2026 10:00:00 AM 5 min read