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.
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Open the CalculatorDrawn from HRA Council data, CMS filings, and employer case studies in our tracker.
ICHRA administrators handle reimbursements. Nobody handles what happens when a claim gets denied, a bill doesn't match, or an employee discovers their plan doesn't cover what they need. This is the gap that's quietly undermining ICHRA adoption.
Read →Real employers share what happened when they moved from group health plans to ICHRAs — the wins, the friction, and what they didn't see coming.
Read →A practical guide to all 11 IRS-approved ICHRA employee classes — what they mean, the minimum size rules that govern them, and how employers can use them to design smarter, more targeted benefits.
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
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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.