ICHRAs: Think Before You Leap

Content Summary

Double-digit healthcare cost increases have become the norm for small and mid-sized employers, and fear is making some of them jump at the wrong solutions. Individual Coverage Health Reimbursement Arrangements (ICHRAs) are being aggressively pitched by brokers as an exit ramp. They aren't, they are a white flag.

This piece was written for HR and benefits leaders who are being pressured to consider an ICHRA and want to understand what they are actually signing up for. Inside you'll find:

➤ Why ICHRAs do nothing to address the underlying drivers of healthcare inflation
➤ How ICHRAs create an affordability trap for your workforce
➤ Why the individual marketplace ICHRAs depend on is broken
➤ Why moving to an ICHRA is a one-way door that makes fixing your healthcare exponentially harder
➤ What a real, sustainable alternative looks like

An ICHRA tells your employees that healthcare is too expensive, so they're on their own. There is a better answer.

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