ICHRALY lets employers set a budget, gives employees the freedom to pick their own plan, and gives agents one login for enrollment, payments, and compliance. Software plus a licensed team behind every group.
*Illustration only, based on a common employer group premium benchmark. Your actual budget and savings depend on your workforce, location, and plan choices. A CareTeam agent will build a real quote with you.
Employers, agents, and employees all work inside ICHRALY. Each sees a workspace built for what they actually need to do.
Set allowances by employee class, watch enrollment in real time, and pull audit-ready compliance reports. You control the budget and ICHRALY handles the math.
Run your whole book in one place. Onboard employer groups, track enrollments across every client, and keep each case compliant without the spreadsheets.
See your monthly allowance, compare individual plans side by side, enroll, and track reimbursements. No paperwork and no guesswork.
Traditional group plans are costly, rigid, and reprice every year. ICHRA flips the model: you set the contribution, employees choose the coverage.
Employers are moving to defined contribution and staying there.
Source: HRA Council, Growth Trends for ICHRA and QSEHRA, Volume 4, 2025.
You are not left alone with a dashboard. CareTeam runs the heavy parts with you.
Get an estimate, then set a budget by employee class. We check ACA affordability as you go.
We prepare plan documents and notices and set employees up, with education sessions.
Employees compare individual plans on price, network, and prescriptions, with an agent to help.
We help you set up reimbursements through an employer-funded debit card or EFT account, or you reimburse directly, and your compliance reports are ready whenever you need them.
Most ICHRA tools hand you a login and wish you luck. ICHRALY is built and run by CareTeam, a licensed national FMO. A real team stands behind every group, from plan design to enrollment to ongoing support.
Start with a quote and we connect you with a licensed CareTeam agent who knows the individual market in your state. Already have an agent? Keep working with them directly. We support your group either way.
Sell ICHRA with a real platform behind you. Manage every group in one place, and lean on CareTeam's enrollment and customer service teams for your group enrollments. Contract with CareTeam to get started.
ICHRALY produces the documents and runs the checks, and CareTeam supports you through the filings that come with a defined-contribution benefit.
Every allowance is tested against ACA affordability and minimum essential coverage in real time.
ERISA plan documents and the required employee ICHRA notices are generated for you.
Data and instructions for your ACA reporting, ready at filing time.
Guidance for Medicare-eligible employees so their coverage and reimbursement line up.
We prepare what you need for PCORI so the annual fee is not a scramble.
Download ICHRA and ACA documentation any time, formatted for a vendor or auditor.
ICHRALY runs under CareTeam's formal information security and privacy program.
Plain guides for employers and agents weighing the switch from group coverage.
Not anymore. Many ACA plans now use the same carriers and networks as group plans, sometimes with better coverage for less. We show you what is actually available in your area before you decide.
Often yes. Most employees assume their doctor is out of network, then find the opposite when they check. Plan-matching tools let each person confirm their providers before they enroll.
They will not do it alone. ICHRALY gives them plan-matching tools, and a licensed CareTeam agent walks them through it. Think of it like a 401(k): with the right guidance, people make good choices.
Often it costs less. You set a predictable, tax-free budget instead of absorbing group premium hikes every year. Run an estimate to see the numbers for your own team.
It is different from group coverage, not harder. ICHRALY generates the plan documents and notices and runs the affordability checks, and CareTeam supports you through ACA, ERISA, Medicare, and PCORI.
It is an evolution, not an experiment. The same way 401(k) plans replaced pensions, defined-contribution health benefits are becoming standard. About 9 in 10 employers who offer an HRA keep it the following year.
The rollout is what matters. We handle education, guided plan selection, and ongoing support, so your team feels supported through the change rather than left to figure it out.
It fits many teams, especially remote, multi-location, high-turnover, and cost-focused employers. If it is not the right move for your company, we will tell you honestly.
Get a quote or book a walkthrough, and a licensed CareTeam agent will show you how it works for a group your size.