All Posts

The expansion of Individual Coverage Health Reimbursement Arrangements (ICHRA) has created new opportunities for employers to control health benefit costs while giving employees greater flexibility in choosing their coverage. However, transitioning from traditional group health plans to an ICHRA model introduces new operational, regulatory, and communication challenges—particularly when employees are eligible for Medicare. This paper provides HR professionals with a practical

Medicare provides essential health coverage for seniors but doesn't cover all costs. The Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees for premiums of individual health plans, including Medicare Advantage. ICHRA can supplement Medicare by covering costs not included in traditional Medicare, like premiums for Medicare Advantage plans. This combination offers flexibility and savings, helping individuals manage healthcare ex