Employee Benefits & ICHRA

A modern, ACA-compliant alternative to traditional group health — set the budget you can afford, and let your employees pick the plan that fits their family. American Exchange handles the strategy, setup, enrollment, and compliance.

Predictable monthly costs you set
Tax-free for employees, tax-deductible for you
Works in all 50 states
Customizable by employee class

Let's Discuss ICHRA

Improving Access to Care and Maximizing Reimbursements

If you’re running a business with under 50 employees, you’ve probably watched group health renewals climb every year and felt stuck between absorbing the increase, passing it to your team, or dropping coverage altogether.

An Individual Coverage HRA (ICHRA) gives you a fourth option. You decide how much your business contributes each month. Your employees use that tax-free allowance to buy the individual health plan that actually fits their lives.

You get a predictable benefits line. They get real choice.

MEET WITH OUR TEAM

What is ICHRA?

An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a formal IRS- and ACA-recognized health benefit. Instead of buying one group plan for everyone, you set a monthly tax-free allowance. Your employees use it to buy individual health insurance — and to reimburse qualified medical expenses.

ICHRA is available to employers of every size: businesses, non-profits, religious organizations, government entities. The minimum to qualify is one W-2 employee.

What you get out of it:

A predictable, defined healthcare line on your P&L
ACA-compliant coverage without managing a group plan
A real benefit for employees who couldn’t use your one-size-fits-all plan
Tax-deductible contributions for you, tax-free reimbursements for them
Flexibility to design the benefit by employee class — no all-or-nothing

Is it Right for
Your Business?

Tell us what you’re trying to solve and we’ll show you how ICHRA fits — and what it would look like to launch with American Exchange.

Question

With ICHRA you stop reacting to renewals. You set the monthly allowance you can afford and it doesn't change unless you change it — even if individual market premiums move. We'll model your current group spend against an ICHRA budget so you can see, side-by-side, what next year actually costs before you commit.

Get a Free ICHRA Cost Comparison

ICHRA lets you offer a real, ACA-compliant health benefit at any budget — even if group coverage is out of reach. There's no minimum contribution and no participation requirements. Start small, grow when you can.

See How ICHRA Works for Small Budgets

Group plans are tied to one carrier network in one state. ICHRA isn't. Your employee in Tennessee picks a Tennessee plan; your employee in Texas picks a Texas plan. Same allowance. Same benefit. No “we don't have a plan in your zip code” conversations.

Talk to a Multi-State Benefits Specialist

ICHRA lets you design the benefit by employee class. Offer different allowances to full-time, part-time, and seasonal staff — fairly and legally — without overcommitting your budget.

Learn More About: Employee Classes

With ICHRA, every employee picks the individual plan that fits their family — their doctors, their network, their copays. You stop being the one stuck answering “why isn't my doctor covered?”

See How ICHRA Works

ICHRA is the simplest, most flexible way for an early-stage company to offer health benefits. We handle plan documents, compliance, and employee enrollment so you don't have to build a benefits team.

Talk to a Startup Benefits Specialist

ICHRA is a defined-contribution health benefit. You set a monthly tax-free allowance. Employees use it to buy individual health insurance and reimburse qualified medical expenses. We walk you through every step, start to finish.

Learn More About: How ICHRA Works

ICHRA is available to any employer with at least one W-2 employee — including non-profits, churches, ministries, and religious organizations. Tax-deductible for your organization, tax-free for your employees.

See If ICHRA Fits Your Organization

You can do both. Keep group coverage for your in-office full-timers and offer ICHRA to remote, part-time, or seasonal staff — all under one compliant benefits structure.

Learn More About: Employee Classes

We work alongside brokers all the time — and we're happy to give you a straightforward second opinion. No pressure to switch, just an honest assessment of whether ICHRA fits your business.

Want to talk to an ICHRA Specialist? Schedule Time

A health insurance benefits management expert is ready to take your call.

BUILT FOR YOUR WORKFORCE

Different Employees, Different Needs, One Benefit.

ICHRA lets you design the benefit by ’employee class.’ That means you can offer different allowances to different groups of employees — legally — based on objective criteria like employment type, geography, age, or family status.

For a small business, that flexibility usually shows up in three ways:

Offer ICHRA to your remote staff while keeping a group plan for in-office full-timers
Set a higher allowance for older employees (their premiums are higher; the law allows it)
Bring part-time or seasonal staff into the benefit pool without overcommitting your budget

You can use up to 11 different employee classes. We help you design a structure that’s fair, ACA-compliant, and easy to explain to your team.

Have some question: Contact Us

ONE PARTNER

Why Employers Choose American Exchange for ICHRA

Most ICHRA companies are software companies. They give you a portal and a checklist and let your employees figure it out. That’s fine if you have an HR team. If you don’t, you end up administering it yourself.

American Exchange is a benefits company that built ICHRA infrastructure — not a tech company that learned about benefits. One team handles strategy, plan design, employee enrollment, ongoing administration, and compliance. Your employees talk to a real licensed agent. You talk to a real account manager.

Learn how we can help your business: Give us a Call

Contact Us

Use the form below to contact an American Exchange team member.

CALL:
888.995.1674

FAX:
423-567-1075

EMAIL:
info@americanexchange.com

ADDRESS:
605 Chestnut Street
Suite 1210
Chattanooga, TN 37450
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