ICHRA

ICHRA: A Smarter Way to Offer Benefits 

As new CMS rules roll out, ICHRA is quickly becoming one of the most powerful ways to offer flexible health coverage. It gives employers more control, gives employees more choice, and opens up a new market for agents who are ready to lead. 

Why ICHRA Matters Right Now 

ICHRA, or Individual Coverage Health Reimbursement Arrangement, lets employers reimburse employees for individual health plans instead of offering a one-size-fits-all group policy. It is budget-friendly, tax-advantaged, and fully compliant with ACA guidelines. 

This model works especially well for small businesses, 1099-heavy workforces, or employers who want to offer benefits without the complexity of traditional group plans. 

Why It Works for Agents 

• Creates long-term business relationships with business owners 

• Opens up new revenue through individual enrollments 

• Easy to pair with ACA, off-market, or ancillary plans 

• Aligns with the future direction of the health benefits market 

How O’Neill Supports You 

We help you get up to speed quickly with: 

• ICHRA-specific training and marketing support

• Carrier relationships and technical guidance 

• Tools to help you quote, position, and explain the benefit 

• A partner who can help you present it confidently and stay compliant 

This is more than a product. It is a strategy. 
 
ICHRA is going to play a bigger role in your business. We are here to make sure you are ready to offer it the right way. 
 
Ready to add ICHRA to your portfolio? 
Book a call and let’s talk about how to introduce it to your clients.