Better benefits. A budget you control.
Set what you can spend, let employees choose the plan that fits them, and hand the paperwork, enrollment, and payments to a licensed team. That is ICHRA with ICHRALY.
Benefits matter more than you think.
Good benefits are one of the strongest levers you have to recruit and keep people.
Sources: Glassdoor Employment Confidence Survey; MetLife Employee Benefit Trends Study.
Three problems ICHRA actually solves.
Costs you can predict
You set a fixed monthly allowance per employee. No shared premium that reprices every renewal, no surprise double-digit increases.
Employees who feel it
People pick their own plan, keep their own doctors, and take coverage with them. That beats a one-size group plan nobody chose.
Admin you do not touch
Plan documents, notices, enrollment, and reporting run through ICHRALY and CareTeam. Most employers spend about an hour a month on it.
ICHRA fits more teams than group ever did.
Start without the group-plan burden
Offer real health benefits without minimum participation rules or a big fixed premium. Set a budget you are comfortable with and grow from there.
Get off the renewal treadmill
Trade an unpredictable group premium for a defined contribution you control, and give employees more choice at the same time.
One benefit that works everywhere
A group network rarely fits a team spread across states. Individual plans are local by design, so remote and field staff get coverage that works where they live.
Benefits that flex with headcount
Add and remove people as your roster changes, and only fund what employees actually use. No true-ups on a rigid group contract.
Industries that thrive with ICHRA
Not every company is a fit, and we will tell you honestly if ICHRA is not the right move for yours.
Know your benefits budget before the year starts.
Group premiums climb every renewal, and you find out how much after the fact. With ICHRA you set the number. Run an estimate to see what a defined contribution looks like for your team.
What switching feels like.
"We capped our benefits spend for the first time in years, and our team ended up with more choice, not less. The CareTeam group handled the parts we were dreading."
See ICHRALY for your team.
Get a quote or book a walkthrough with a licensed CareTeam agent.