Employer Health Solutions
Discover flexible, cost-effective health insurance strategies designed to help your business attract and retain top talent while managing your bottom line.
Level Funded Health Plans
Level-funded plans offer the safety of a fully insured plan with the financial advantages of self-funding. They are an excellent way for healthy groups to save money.
Predictable Costs
Pay a fixed monthly amount that covers administrative fees, stop-loss insurance, and claims funding.
Refund Potential
If your group's claims are lower than expected, you can receive a refund or credit at the end of the year.
Detailed Reporting
Gain access to claims data to better understand how your healthcare dollars are being spent.
Stop-Loss Protection
Built-in stop-loss insurance protects your business from catastrophic, high-cost claims.
Health Reimbursement Arrangements
What is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers of any size to reimburse employees tax-free for their individual health insurance premiums and qualified medical expenses.
- Maximum Flexibility: Employees choose the individual plan that best fits their personal doctors and needs.
- Cost Control: Employers set a fixed allowance, completely controlling their healthcare budget.
- No Size Limits: Available to businesses of all sizes, with customizable allowances by employee class.
What is a QSEHRA?
A Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) is specifically designed for small businesses with fewer than 50 employees that do not offer a traditional group health plan.
- Tax Advantages: Reimbursements are tax-free for employees and tax-deductible for the business.
- Small Business Focus: Tailor-made for companies with fewer than 50 full-time employees.
- Simple Administration: Set a monthly allowance to help employees pay for premiums and out-of-pocket costs.