ICHRA has rules. We keep you inside them.
A defined-contribution benefit comes with real obligations. ICHRALY generates the documents and runs the checks, and CareTeam supports you through every filing.
Everything a compliant ICHRA needs.
ACA affordability and MEC
Every allowance is tested against ACA affordability and minimum essential coverage before the plan goes live.
ERISA plan documents
The plan document that defines your ICHRA is generated and kept current for you.
Employee notices
The required ICHRA notice goes to every eligible employee on the right timeline.
1094 and 1095 support
The data and instructions you need for ACA reporting, ready at filing time.
Medicare coordination
Guidance for Medicare-eligible employees so their coverage and reimbursement line up correctly.
PCORI fees
We prepare what you need for the annual PCORI fee so it is never a scramble.
Affordability, checked in real time.
The rules move every year. ICHRALY tests each allowance against the current ACA affordability percentage, which is 9.96 percent for 2026, so the plan you design is a plan you can defend.
What ICHRALY produces, and where CareTeam stands with you.
ICHRALY generates Platform
- Plan documents and employee notices
- Real-time affordability and MEC checks
- Audit-ready ICHRA and ACA reports on demand
CareTeam supports Team
- Guidance through ACA, ERISA, and Medicare questions
- Help preparing 1094 and 1095 and PCORI
- A licensed team when your auditor or counsel calls
ICHRALY and CareTeam support your compliance but do not replace your own legal or tax advisors. Final filings remain the employer's responsibility.
Built for companies that cannot cut corners.
ICHRALY runs under CareTeam's formal information security and privacy program.
- Multi-factor authentication on every login
- Encrypted in transit and at rest
- Role-based access by user type
- Vendor security reviews supported
Compliance questions, answered.
The employer sponsors the plan and remains responsible for it. ICHRALY and CareTeam prepare the documents, run the checks, and support the filings so you can meet those responsibilities with confidence.
Each allowance is measured against the lowest-cost silver plan available to the employee and the current ACA affordability percentage. If an allowance would fall short, you see it before the plan is finalized.
They are handled separately from the ACA affordability logic, and their contribution can reimburse Medicare premiums. We guide you on coordinating their coverage.
We prepare the data and documentation you need, including for 1094, 1095, and PCORI. Final filing stays with the employer and your tax advisor, and we support the process.
Compliance you can hand off.
Get a quote or book a walkthrough, and we will show you exactly what ICHRALY produces.