What is ICHRA
A smarter way to offerhealth benefits with ICHRA
Give employees more choice and help your business control health benefit costs with an ICHRA platform built for modern teams.
What is ICHRA?
ICHRA stands for Individual Coverage Health Reimbursement Arrangement
It lets employers reimburse employees for individual health insurance and qualified medical expenses in a more flexible, cost-controlled way.
Why employers are switching to ICHRA
Predictable costs
Set predictable contribution amounts and reduce renewal surprises
More employee choice
Each employee picks their own plan
No participation requirements
Works for distributed and diverse teams
Scales with your company
From startups to growing teams
New to ICHRA? Start with the basics.
Download our free ICHRA 101 guide and learn how employers can offer flexible health benefits while keeping costs more predictable.
Stop managing health plan risk. Start focusing on your business.
Traditional group health plans quietly make you responsible for your employees' collective health risk. ICHRA lets you hand that risk back - permanently.
Cost exposure
When you face the true financial hook for healthcare costs.
You define contribution amounts by class
Class-based contribution amounts keep employer costs predictable from day one.
Premiums change with claims
One high-cost year can raise renewal costs for everyone.
Actual risk
Who shoulders the real cost of unexpected healthcare events.
Risk stays with the insurer
Employees choose individual plans, so your company is not the risk pool.
Your company carries the risk
Claims experience can directly affect future premiums.
Renewal volatility
Year-over-year price unpredictability.
You decide when costs change
Contributions change only when you choose to adjust them.
Annual increases are common
Renewals can rise significantly year over year.
Administrative burden
The hidden tax of managing benefits.
Savii handles the heavy lifting
We help manage compliance, enrollment, communication, and reporting workflows.
Your team owns the process
HR often manages renewals, carrier coordination, and ongoing admin.
Employee coverage fit
Meeting diverse needs.
Employees choose the best fit
Each person can select coverage based on their needs and location.
One plan has to fit everyone
A single group plan rarely works equally well for every employee.
IS THIS YOU?
Who is ICHRA best for?
ICHRA is a strong fit for employers who want more predictable costs, more flexibility, and less risk than a traditional group plan.
STARTUPS & EARLY-STAGE
Offer health benefits for the first time
Launch a real health benefit with predictable costs instead of taking on group plan risk from day one.
Predictable costs from the start.
COST-CONSCIOUS COMPANIES
Tired of unpredictable renewal increases?
ICHRA gives you a fixed contribution model, so benefit costs are easier to plan and less tied to claims volatility.
More control over employer contributions.
DISTRIBUTED & REMOTE TEAMS
Your team is spread out. Your coverage should work that way too.
Employees can choose individual plans in their own state, with coverage that fits where they actually live.
Better fit for distributed teams.
GROUP PLAN ESCAPEES
Ready to move beyond traditional group plans?
Savii helps manage enrollment, compliance, communication, and reporting administration.
Less plan risk. Less admin burden.
The common thread: employers want a defined health benefit, not unpredictable plan risk.
ICHRA is built for employers who want predictable costs without giving up quality benefits. Employees choose plans that fit their needs and location, while your business gets more control, less risk, and less guesswork.
Stop overpaying for health benefits that don't fit your team
Savii turns ICHRA into a competitive advantage, giving employees the freedom to choose coverage that actually fits their lives.
Book a demoHow it works
How ICHRA Works
in 3 simple steps
Savii makes ICHRA easy to set up, manage, and scale.
STEP 01
Set ICHRA contribution amounts
Define how much you want to contribute, with amounts that can vary by eligible class criteria.
STEP 02
Employees choose the coverage that fits them
Employees select individual health insurance plans that match their needs and doctors. Savii helps them compare options and enroll easily.
STEP 03
Built-in compliance, enrollment, and reporting
Savii helps manage enrollment, documentation, compliance, and reporting, so your ICHRA program stays organized.
What Savii manages for you
Plan guidance for employees
Eligibility tracking
Documentation & verification
Employee communications
Compliance (HIPAA + IRS)
Enrollment support
Launch your ICHRA plan in days, not months
Book a demoTax & Compliance
Built for ICHRA compliance
Designed for peace of mind
Savii ensures your ICHRA program meets all federal regulations - without adding complexity.
ICHRA tax advantages
Employer contributions are tax-deductible
Employees receive reimbursements tax-free
No payroll taxes on benefits
ICHRA compliance made simple
Savii helps you stay compliant with:
IRS regulations
ACA requirements
HIPAA privacy standards
What Savii manages for compliance
Plan documents
Employee notices
Substantiation of claims
Audit-ready records
Bank-level security and HIPAA-compliant data protection
Your company and employee data stay protected at all times.