ICHRA Intelligence
We track which employers are moving to ICHRA, what it costs, and whether it’s working.
What is ICHRA?
An Individual Coverage HRA is an IRS-defined account that lets employers give employees a tax-free monthly allowance — which employees spend on the individual health insurance plan of their choice, rather than being enrolled in a group plan selected by the employer.
Unlike traditional group benefits, the employer's liability is capped at the allowance amount. Employees get portability and plan choice. Both sides get a tax advantage. The model became legally viable with the final rule effective January 2020, and adoption has grown sharply since.
Full ICHRA explainer →For Your Company
See how much your employer could save by moving to ICHRA. Our calculator uses 2026 CMS benchmarks, real admin platform pricing, and verified employer data.
Takes 2 minutes. No account required. Real numbers.
Open the CalculatorDrawn from HRA Council data, CMS filings, and employer case studies in our tracker.
Cut through the confusion on ICHRA documentation requirements—what's mandatory, what's optional, and what actually protects your plan from IRS scrutiny.
Read →As ICHRA adoption accelerates, brokers are positioning themselves as essential intermediaries between employers and administrators—but success requires specialized knowledge and operational capacity.
Read →A month-by-month breakdown of what actually happens between deciding to launch an ICHRA and issuing your first employee reimbursement.
Read →Real employer transitions — administrator, deal type, and verified savings where disclosed.
St. Anne's Retirement Community
Lancaster County, Pennsylvania
Est. Savings
40% reduction from $3.69M projected renewal (~$1.48M savings)
St. Anne's Retirement Community transitioned from a fully-insured group health plan with a projected $3.69M renewal to an ICHRA administered by Remodel Health, achieving approximately 40% cost savings. The organization was facing 47% renewal increases due to large ongoing claims. Employees gained the ability to choose individual health plans while the employer avoided unpredictable year-over-year premium increases.
Source: Remodel Health
Morrison Child & Family Services
Est. Savings
$550k
Morrison Child & Family Services switched from a Kaiser Permanente Group Plan to Remodel Health's ICHRA platform, achieving over $550k in savings. The organization stabilized healthcare costs, improved employee satisfaction, and strengthened talent retention by offering employees greater control over healthcare spending and access to geographically convenient networks.
Source: Remodel Health
Builder's Association of Greater Indianapolis (BAGI)
Indianapolis
Est. Savings
20%
BAGI transitioned from an Anthem group plan with high-deductible HSA to an ICHRA solution through Remodel Health, achieving a 20% cost reduction while maintaining equivalent plan offerings. The employer contributed $3,000 per employee to HSAs to offset increased out-of-pocket costs and achieved predictable budget projections without anticipated double-digit annual increases.
Source: Remodel Health
Coming Soon
Side-by-side comparisons of every major ICHRA platform — pricing, network access, integration support, employer size fit, and independent ratings from real implementations. No affiliate arrangements. No vendor-sponsored rankings.
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Every Tuesday: employer adoption data, regulatory updates, administrator moves, and rate intelligence — written for benefits practitioners, not HR generalists.
Employer adoption data, regulatory moves, and administrator intelligence — every Tuesday. Written for practitioners, not generalists.