What does an ICHRA provider do?

An ICHRA provider helps employers design, implement, and administer their individual coverage health reimbursement arrangement. Depending on the provider, services may include compliance support, employee enrollment assistance, plan selection tools, contribution management, reimbursement administration, payroll system or HRIS integrations, and ongoing customer support.

How do I choose an ICHRA vendor?

During ICHRA vendor selection, consider the level of administrative and compliance support, employee plan-selection and enrollment tools, technology integrations, broker support, customer service, and the provider's experience with businesses similar to yours. Employers should also consider whether they need a software-focused solution or a full-service ICHRA partner.

How much does it cost to administer an ICHRA?

ICHRA administration costs vary by provider and typically depend on factors such as the number of employees, services included, and level of support. Some providers primarily offer technology and automated administration, while others provide additional implementation, benefits advisory, compliance, and employee support services.

Can an employer switch ICHRA providers?

Yes. Employers can transition from one ICHRA provider to another. However, the change requires careful coordination to keep employee, contribution, plan, and reimbursement information accurate. Employers should work with their current and new providers to establish a transition timeline and communicate any changes to employees and brokers.

What are the largest individual health insurance companies?

For the 2026 Affordable Care Act (ACA) Marketplace, KFF identifies UnitedHealthcare, Centene Corporation, Oscar Health, Elevance Health, Molina Healthcare, Cigna Healthcare (exiting the market in 2027), and Kaiser Permanente among the major national participants. KFF reports that they operate in 30, 29, 20, 18, 14, 11, and 10 states, respectively.

Is Blue Cross Blue Shield an individual health insurance carrier?

Blue Cross Blue Shield is a system of independent, locally operated insurance companies rather than one nationwide carrier. Availability, networks, and plan designs vary by the specific Blue Cross Blue Shield company serving your area.

How do I find out which health insurance carriers are available in my area?

Visit HealthCare.gov or your state's health insurance exchange. Enter your location to see the plans and carriers currently available to you. CMS also provides Marketplace data showing insurer service areas by state, county, and ZIP code.

Can employees choose their own health insurance with a CHOICE Arrangement?

Yes. With a CHOICE Arrangement, employees receive employer-funded contributions that they can use toward individual health coverage. Rather than being limited to an employer-selected group plan, employees can select an individual plan that meets the benefit’s requirements and is available in their area.

Do individual health insurance carriers offer the same plans in every state?

No. Carriers can offer different plans, networks, premiums, and benefits by state and county. A carrier may also change its service area from one year to the next. KFF's 2026 Marketplace analysis documents substantial county-level changes in insurer participation.

Meet Remodel Health, your trusted ICHRA provider.

Why partner with Remodel Health?

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:

Gain a deeper understanding of the Remodel Health approach.
Learn how to offer cost-effective solutions to your clients.
Explore our tools and resources for improving customer service.

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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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