An Individual Coverage HRA lets you reimburse employees, tax-free, for health insurance they choose themselves. Here's the whole model, start to finish.
You decide a fixed monthly allowance — and you can vary it by employee class (full-time, part-time, salaried, hourly, location, age, and family size). This is the number your costs are capped at. No carrier sets it for you.
Your team shops the individual market and picks the plan that fits their family and keeps their doctors. Choice guides them through it, so they land on the right coverage without the guesswork.
Employees are reimbursed up to their allowance automatically each month — tax-free to them and to you — with full compliance documentation generated behind the scenes.
Your spend is exactly what you set. No surprise renewals, no double-digit increases, no participation minimums. And every plan includes unlimited Direct Primary Care.
The shift is simple but powerful: instead of buying one plan for everyone and absorbing the increases, you contribute a set amount and let people choose.
Set the allowance that fits your business. Adjust it by class. Your cost is fixed and known in advance.
Employees choose from the full individual market — keeping preferred doctors and matching coverage to their family.
Choice handles enrollment, reimbursements, affordability testing, and ACA / ERISA / HIPAA reporting.
Model your own census in the savings calculator — adjust headcount, current cost, and allowance to see your estimated annual savings.