ExplainerJuly 21, 202610 min read
ICHRA vs. QSEHRA: Which HRA Is Right for Your Employer Size
A practical guide to choosing between ICHRA and QSEHRA based on your company's headcount, industry, and benefits goals.
Read →ICHRA Intelligence
Group Insurance Doesn’t Pencil Anymore.
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
Calculate Your ICHRA Savings
Model how a move to ICHRA could change employer costs using 2026 benchmarks, administrator assumptions, and documented market examples.
Takes 2 minutes. No account required. Planning model — not a carrier quote.
Open the Calculator👥 Company Profile
Size, state, employee mix
💰 Current Plan
Premium and renewal increase
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Monthly allowances by tier
→ Instant Results
Annual savings, cost comparison, admin picks
Sources we trackHRA CouncilSureCoPeopleKeepTake Command HealthRemodel HealthCMS.govKFFSHRMIRS GuidanceERICMercer
What Quyra Is Tracking
Live counts from the same researched dataset that powers the adoption tracker.
69
Employer records tracked
Unique employer implementation records across public filings, case studies, and the researched tracker feed.
69
Source-backed records
Named employer implementations supported by a linked public source and included in the live tracker dataset.
11
Administrators represented
Distinct ICHRA administrators appearing in the tracked implementation data — not a paid vendor count.
Latest Intelligence
View all →AnalysisJuly 17, 20268 min read
Why Small Employers Under 50 Are ICHRA's Fastest-Growing Segment
Non-ALE employers discover ICHRA as the cost-controlled benefits solution that doesn't require the compliance burden of traditional group health plans.
Read →ExplainerJuly 10, 202612 min read
ICHRA Reimbursement Documentation: What Receipts Employers Actually Need
Cut through the confusion on ICHRA documentation requirements—what's mandatory, what's optional, and what actually protects your plan from IRS scrutiny.
Read →Recent ICHRA Research
Full tracker →Newly verified employer implementations from the same canonical tracker feed.
AR
Aptive Resources
United States / multi-state
Group Plan to ICHRAvia CVRD Health
Reported impact
$536,870 annual employer savings
Aptive Resources moved from a group health plan to a CVRD Health-administered ICHRA for plan year 2026. CVRD reports $536,870 annual employer savings, 30% lower monthly employer contributions, and 151 enrolled employees.
Source: CVRD Health Case Study | Aptive Resources
BB
Bille Bus
Minnesota
ICHRAvia Gravie
Reported impact
67% overall cost savings versus previous ICHRA vendor
Bille Bus moved its existing ICHRA program to Gravie in 2025, with broker Assured Partners, and reported substantial enrollment, cost, and employee-satisfaction improvements.
Source: Bille Bus ICHRA Case Study
W
Wealshire
Minnesota
ICHRAvia Gravie
Reported impact
30% savings in health benefits expenses
Wealshire implemented Gravie ICHRA for the 2024 plan year after dissatisfaction with unpredictable self-funded costs, achieving reported 30% savings while maintaining or improving enrollment.
Source: Gravie and Wealshire: An ICHRA case study
Research Beta
The ICHRA Administrator Marketplace
Compare administrators using real implementation evidence from the tracker, plus editorial research on employer fit, support model, and market positioning. Sponsored placements are labeled and do not change editorial ordering.
Take CommandSureCoPeopleKeepRemodel Health+ more as verified
Explore marketplace beta →Free Weekly
Stay ahead of the ICHRA market.
Every Tuesday: employer adoption data, regulatory updates, administrator moves, and rate intelligence — written for benefits practitioners, not HR generalists.
ICHRA Intelligence Weekly
Employer adoption data, regulatory moves, and administrator intelligence — every Tuesday. Written for practitioners, not generalists.