Introduction: ICHRAs & Other Types of HRAs

 The IRS, and Health & Human Services jointly
published a final rule to expand the flexibility and use
of health reimbursement arrangements (HRAs) and
other account-based group health plans to provide
Americans with additional options to obtain quality,
affordable health care.


The Smart ICHRA

Powered by Smart Choice Health (SCH)
Individual Coverage Health Reimbursement Arrangement

Document Services

Smart Choices Health (SCH) provides the documents required to offer employees an ICHRA with notification letters and privacy disclosures. This is a basic service to implement an ICHRA. It takes an hour to complete the questionnaire and consult with the advisor on how to create your plan. Documents are sent electronically for a one-time annual fee unless you make future changes.

Any employer with more than 2 employees can set up an Individual Coverage Health Reimbursement Arrangement (ICHRA).  Smart Choices Health provides both basic document services and comprehensive services which include ICHRA Kits complete. We also provide personalized consulting services to ensure proper setup and compliance.


The Smart Employer ICHRA Customized

SCH provides a complete kit with what is needed to offer employees a health reimbursement arrangement. The ICHRA kit is completely customized with your company logo and branding. The kit contains documents required to offer employees a tax-free reimbursement of qualified health expenses or just premiums. Additional services are offered below to help validate the reimbursements and offer employees resources to answer their questions on how to best use their healthcare dollars.


Reimbursement Validation and Employee Advocacy

Employee ICHRA reimbursement validation services and advocacy services are provided to groups with more than 10 employees.

Employees upload their receipts to a secure portal. SCH will validate their expenses and notify the employer monthly via a secure email of what is reimbursable. HIPAA rules are adhered to for employee privacy.
Employees can call or email for additional information and assistance as to where to purchase qualified health plans in the open market during the year and SCH will manage new hires as they come on board as well.

*Monthly Cost – services are billed annually

ICHRA Services

Talk with our Benefit Strategy Team to see what health plans work best with ICHRA’s.

ICHRA Information


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