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.

Does ICHRA help employees pay for individual health insurance coverage?

Yes. With an ICHRA, employees receive a tax-free employer contribution that they can use toward their individual health insurance premiums.

Do employees have to choose the same health insurance plan with ICHRA?

No. One of the biggest advantages of ICHRA is that employees can choose individual health insurance plans based on their own healthcare preferences, budget, and preferred providers.

Where can employees buy individual health insurance plans with ICHRA?

Employees can purchase individual health insurance plans through the Health Insurance Marketplace, a state marketplace, or directly from an insurance company. With ICHRA, employees may also have the option to choose off-exchange plans, which can provide additional plan choices depending on their location. With Remodel Health’s ICHRA+, most employees enroll in off-exchange plans through our platform.

What are the most popular health plan types chosen by Remodel Health ICHRA+ members?

Gold copay plans, bronze HSA plans, and silver copay plans make up the majority of selections.

Do employees with ICHRA tend to choose gold or bronze plans?

Gold and bronze plans are both popular choices among Remodel Health ICHRA+ members, with 28% choosing Gold copay plans and 27% choosing Bronze HSA plans.

Meet Remodel Health, your trusted ICHRA provider.

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Not only will you have access to a top-notch enrollment team for your clients, but you’ll also unlock exciting rewards and substantial pay. With Remodel Health, success is just around the corner. By connecting with us, you can:

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What is an ICHRA?

If you’re looking to supercharge client offerings, ICHRAs are for you. An Individual Coverage HRA, or an ICHRA, is a type of Health Reimbursement Arrangement (HRA) that increases flexibility for employers and employees to better utilize the Individual Marketplace. This employer-funded HRA allows employers of any size or industry to reimburse employees tax-free for qualified medical expenses.

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