If you’re like most business owners, your group health plan renewal is just around the corner—and you’re bracing for another rate increase. You might feel stuck, thinking your only choices are United Healthcare or Anthem, both with higher costs and fewer options. It’s frustrating, stressful, and feels like picking between bad and worse.

TAKE THE FIRST STEP TOWARD A BENEFITS STRATEGEY THAT WORKS FOR EVERYONE.

Facing Another Renewal Hike? There’s a Better Way.

We Understand What You’re Up Against

Rising Premiums Year After Year

Limited Choices That Don’t Fit Your Team

Pressure To Make A Decision With Little Time Or Information

But what if there was a real alternative—one that puts you back in control, saves money, and gives your employees more?

DISCOVER ICHRA

A Smarter, More Flexible Solution

ICHRA (Individual Coverage Health Reimbursement Arrangement) is a modern approach to employee benefits. Instead of locking you into a one-size-fits-all group plan, ICHRA lets you set a budget and empowers your employees to choose the coverage that fits their needs.

It’s a win-win for your business and your people.

EXPLORE HOW ICHRA CAN WORK FOR YOUR ORGANIZATION

Why Consider ICHRA?

  • Typically Significantly Cheaper: Many employers save compared to traditional group plans.
  • Tailored for Each Employee: Every team member picks the plan that’s right for them—no more “bad or worse” choices.
  • No More Surprises: You set the monthly allowance, so your costs are predictable.
  • Full Compliance: ICHRA meets all ACA requirements and is easy to administer.
  • Tax Advantages for All: Reimbursements are tax-free for both employers and employees, maximizing value and minimizing waste. 

How It Works—Step by Step

1

You Set a Budget

Decide how much you want to contribute for each employee.

2

Employees Shop for Coverage

Each person chooses the individual health plan that fits their life and family.


3

You Reimburse, Tax-Free

Pay employees back for their premiums and, if you choose, other qualified medical expenses.


Upcoming Webinar

The 1 Number You Need For Your Group Health Plan Renewal

Unlock the key to smarter health plan decisions—join our exclusive webinar!

DATE & TIME:  August 19, 2025, at 1:00 PM


Why Attend?

  • Discover a real alternative to rising group health plan costs.
  • Get actionable insights and expert answers in real time.
  • Walk away with the one number you need before your renewal.


WHAT YOU'LL LEARN:

  • What is ICHRA? 
    Get a clear, jargon-free explanation of Individual Coverage Health Reimbursement Arrangements.
  • How It Works
    Step-by-step guidance on how ICHRA can transform your benefits strategy.
  • ICHRA FAQs
    Answers to the most common questions from business owners like you.


Meet Your Hosts:

Lydia Clark

President, Integrity Benefit Partners

Dylan Melling 

Practice Lead, Integrity Benefit Partners

Reserve Your Spot

Seats are limited! Sign up now to secure your place and take the first step toward a more flexible, cost-effective benefits solution.

Put ICHRA to the Test—No Hassle, No Pressure

Get a personalized estimate in 24 hours or less.

On your discovery call, we’ll show you the one number you need before your renewal—so you can compare, plan, and make the best decision for your business.


  • No Obligation
  • No Sales Pressure
  • Just Clear, Actionable Information

Who is ICHRA For?

See how ICHRA can fit your team’s unique needs.

Growing Businesses

Companies expanding into new markets or states can offer consistent benefits without the complexity of traditional group plans.

Organizations Facing Renewal Hikes

If your group plan renewal is breaking the budget, ICHRA offers a cost-effective, sustainable alternative.

Diverse Workforces

From full-time to part-time, remote to on-site, ICHRA lets you tailor benefits for every employee class.

Employers Seeking Simplicity

Reduce administrative headaches and focus on your business, not benefits paperwork.

Real Results. Real Impact.

Indiana Employer

270

EE's on plan

$3,975,072

ICHRA max spend with all employees on GOLD plan

Current Spend

$4,871,344

(Self-Funded Plan administered by Anthem)

Ohio Employer

189

EE's on plan 

$2,118,648 

ICHRA max spend with all employees on GOLD plan

Current Max Spend

$3,196,768

(Self-Funded plan renting Cigna Network)

Get your questions answered

Weekly ICHRA Office Hours

Have Questions? Take advantage of this opportunity to get clarity, confidence, and control over your benefits strategy. Your questions, answered—every week!

When: Every Tuesday & Thursday at 11:00 AM

Where: 30-minute Zoom session

Drop in to any session—no registration required.

What to Expect:

  • Speak directly with ICHRA experts Lydia Clark and Dylan Melling.
  • Get personalized answers to your toughest benefits questions.
  • No pressure, no sales pitch—just honest, expert advice.


Who Should Attend?

  • Business owners and HR leaders facing renewal decisions
  • Anyone curious about how ICHRA could work for their team
  • Those who want to compare options before making a commitment


Prefer a private conversation?

Book a Discovery Call for a one-on-one session tailored to your business.

Client Stories

“Thank you so much Lydia on behalf of KBA. You are doing a great job and the 1:1 touch is very much appreciated.”


- Tracy Theil


“As a small business, we are the type of company that is typically left behind when it comes to benefits solutions for our size of employees. Most solutions are far out of reach for our budget. Lydia and her company worked hand in hand with us in customizing a full benefits package that took care of our employees, and fit in our budget. Thanks to her tireless work ethic, our small business can compete with the benefits that larger employers offer, giving us an advantage in attracting and retaining talent.”


- Sameer H.


“When we were faced with yet another untenable rate hike for 2023 and a habitually non-responsive broker partner, we gladly accepted an initial review appointment with Integrity Benefit Partners to see if they could help. Integrity Benefit Partners worked hand in hand with us and brought cutting-edge strategies we’d never encountered before. Not only did we NOT have to absorb the prior broker’s proposed increase on our plan… we actually received a 20% decrease in cost without losing benefits (in fact, we increased some!).  And WOW you have never seen customer service and immediate responsiveness like this! They spent more time IN PERSON in our office in the first 3 months than most brokers had spent in an entire year. They even work one-on-one with our staff to make sure their benefits are valuable and understood, and that they are utilized with good stewardship to give us the best shot at continued cost savings year after year.”


- Debbie Driskell


ICHRA Frequently Asked Questions

  • What is ICHRA?

    ICHRA stands for Individual Coverage Health Reimbursement Arrangement. It allows employers to reimburse employees tax-free for individual health insurance premiums and qualified medical expenses.

  • Who can offer an ICHRA?

    Any employer, regardless of size, can offer an ICHRA to their employees.

  • Can employees choose any health plan?

    Yes, employees can select any individual health insurance plan that meets ACA requirements.

  • Are reimbursements taxable?

    No, reimbursements through ICHRA are tax-free for both employers and employees.

  • How is ICHRA different from traditional group insurance?

    ICHRA gives employees choice and employers cost control, unlike one-size-fits-all group plans.

  • Is ICHRA ACA-compliant?

    Yes, ICHRA meets ACA requirements for employer-sponsored health plans.

  • Can I offer ICHRA to only certain employees?

    Yes, you can offer different allowances to different classes of employees, such as full-time, part-time, or remote workers.

  • What expenses can be reimbursed?

    Premiums for individual health insurance and, if you choose, other qualified medical expenses.

  • How do employees get reimbursed?

    Employees submit proof of payment, and you reimburse them up to the set allowance.

  • Can ICHRA replace my current group plan?

    Yes, many employers use ICHRA as a full replacement for traditional group health insurance.

Integrity Benefit Partners is a faith-based, client-first employee benefits brokerage dedicated to putting people above profits. Our mission is to deliver honest, transparent, and ethical guidance—every time. We measure success by the impact we make on your business and your people, not just the bottom line. With deep expertise in employee benefits and a passion for service, we’re your trusted partner for smarter, simpler, and more effective benefits solutions.

ABOUT US

Integrity Benefit Partners

Don’t settle for another year of rising costs and limited choices.

Let’s build a benefits strategy that empowers your team and protects your bottom line. Get your no-hassle estimate and take control of your benefits—before your renewal deadline. 

Contact Us