A running ICHRA in weeks, not months.
You are not handed a login and left to figure it out. CareTeam runs the heavy parts with you, from plan design through enrollment and ongoing support.
Four steps, and we are on most of them with you.
Design the plan
Start with an estimate, then set a monthly allowance for each employee class. ICHRALY checks ACA affordability as you go, so the plan is compliant before it is final.
We onboard your team
We prepare the ERISA plan document and the required employee notices, then set up your people and run education sessions so everyone understands the switch.
Employees shop and enroll
Your team compares individual plans on price, network, and prescriptions, with a licensed agent on hand to answer questions and help them enroll.
Set up payments and reporting
We help you set up employee reimbursements through an employer-funded debit card or EFT account, or you reimburse directly, and your ACA and ICHRA reports are ready whenever finance or an auditor asks.
You fund it. We help set it up.
Reimbursements do not route through CareTeam. You fund them, we help set up the method, and employees get paid.
Employer funds
You fund the reimbursements, directly or through an account we help set up.
Debit card or EFT
Employees get an employer-funded debit card or EFT account, or you reimburse them directly.
Employees reimbursed
Employees pay their premium and are reimbursed up to their allowance.
You keep control. We carry the load.
You handle Employer
- Decide the budget and allowances by class
- Fund employee reimbursements each month
- Approve any changes as your team grows
We handle ICHRALY + CareTeam
- Plan documents, notices, and affordability checks
- Employee education, enrollment, and support
- Payment setup and all your reporting
Most groups are live in a few weeks.
Design
Estimate, set allowances, confirm the plan is affordable.
Documents
Plan document and employee notices prepared and delivered.
Enrollment
Employees compare plans and enroll with agent support.
Payments
Coverage starts and employee reimbursements begin.
See it with your own numbers.
Get a quote or book a walkthrough, and a licensed CareTeam agent will map ICHRALY to a group your size.