Employee Classes:

The ICHRA classes are as follows:

• Salaried employees
• Hourly employees
• Seasonal employees
• Employees covered under a collective bargaining agreement
• Employees in a waiting period
• Foreign employees who work abroad
• Employees working in the same geographic location (same insurance rating area, state, or multi-state region)
• Salaried Worker
• Non-Salaried workers (such as hourly workers)
• Temporary employees of staffing firms
• A combination of two or more of the above

All New EBHRA

Businesses that offer an employer-sponsored group health plan to workers now have another way to save money while designing a health benefits package with more choices for employees – the Excepted Benefit HRA.

The new EBHRA is a Health Reimbursement Arrangement designed to pay premiums and related expenses for eligible excepted benefits.

And, while an employer is required to offer a traditional group health plan, an employee can participate in the EBHRA even if they decline to participate in the employer’s group health plan. That’s going to open up a lot of premium savings for workers who are eligible for coverage under a spouse’s or parent’s health insurance.