What is the average ICHRA contribution?

According to Remodel Health's 2026 National ICHRA Report, average employer contributions vary significantly by industry and family status. For employee-only coverage, average monthly contributions range from approximately $441 to $730, while family contributions can exceed $1,400 in some industries.

How much should an employer contribute to an ICHRA?

There is no required minimum contribution for an ICHRA. However, applicable large employers with 50 or more full-time equivalent employees must offer an affordable ICHRA contribution to satisfy the Affordable Care Act's employer mandate. The right contribution depends on your workforce, budget, local insurance market, and benefits goals.

Can employers contribute different amounts to different employees?

Yes. ICHRAs give employers flexibility to vary contribution amounts based on factors permitted under federal IRS guidelines and the ICHRA final rules, such as employee age and family size. Employers can also offer different contribution amounts to eligible employee classes, like part-time and full-time employees.

Do employees usually enroll in the benchmark plan?

Not always. Many employees choose different carriers, provider networks, deductibles, or metal levels based on their healthcare needs and budget. The benchmark plan simply serves as a reference point for establishing employer contributions.

How does ICHRA compare to QSEHRA?

Both the individual coverage HRA (ICHRA) and qualified small employer HRA (QSEHRA) allow employers to offer tax-advantaged health benefits, but they serve different needs. ICHRA is available to employers of all sizes, while QSEHRA is only for small employers with fewer than 50 full-time equivalent employees (FTEs). The IRS also sets annual contribution limits for QSEHRA.

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Interested in learning more?

Expert insights at your fingertips.

What the 2027 individual health insurance rate filings mean for ICHRA

ICHRA contribution benchmarks by industry

Addressing the U.S. healthcare affordability crisis through ICHRA

Earning Accolades in Health Innovation

Remodel Health
601 S. Meridian St.
Indianapolis, IN 46225

Interested in learning more?

Expert insights at your fingertips.

What the 2027 individual health insurance rate filings mean for ICHRA

ICHRA contribution benchmarks by industry

Addressing the U.S. healthcare affordability crisis through ICHRA

Earning Accolades in Health Innovation

Remodel Health601 S. Meridian St.Indianapolis, IN 46225

Remodel Health
601 S. Meridian St.
Indianapolis, IN 46225