Affordable and flexible health benefits for small businesses

Set up an ICHRA plan in minutes with in-house enrollment support, reimburse employees tax-free, and stay 100% compliant—without managing a group health plan.

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ICHRA Cost Calculator

Calculate the cost of providing healthcare to your employees with SimplyHRA below!

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Why choose SimplyHRA?

SimplyHRA is a benefits platform that makes it easier to offer personalized healthcare to your employees using an ICHRA. You set a budget, we'll take care of the rest!

Cost control

Set your own budget by employee class—no surprise premium increases.

Employee choice

Let employees pick the plan that works best for them.

Hassle-free compliance

We handle the paperwork so you don’t have to.

24/7 support

Our AI chatbot answers most HRA questions instantly.

Affordable for SMBs

No expensive personnel needed, our software handles everything.

Similar to FSA/HSA

Can be configured to reimburse expenses exactly like an FSA/HSA.

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Your benefits under control

Powerful, self-serve product for employers and their employees to manage ICHRA benefits. Hassle-free with instant support available 24/7.

Step 1: Create your ICHRA plans and classes

Define your reimbursement amounts and employee classes—start in just a few clicks.

Step 2: Employees pick their coverage

Each employee chooses a plan that suits their needs—no more one-size-fits-all group policies.

Step 3: Automate expense management

Employees submit eligible expenses; we handle payments, approvals, tracking, and compliance.

Step 4: Instant AI-powered support

Our AI chatbot verifies eligibility around the clock—keeping your ICHRA compliant and worry-free.

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Simple and transparent pricing

Whether you are just starting out or have a growing business, SimplyHRA offers simply, transparent pricing that grows with you.

Pricing that fits every stage

Employers pay a flat platform fee of

$59/month

(includes first employee)

$29/month

for each additional employee

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Set up an ICHRA plan in minutes

In-house enrollment support

Reimburse employees tax-free

Stay 100% compliant

24/7 AI-powered support

ICHRA and QSEHRA FAQs

Read more below to quickly understand how SimplyHRA.com (and ICHRAs in general) can simplify and improve the employer and employee health benefits experience.

View all FAQs

Is this legal?

Yes! ICHRA (Individual Coverage Health Reimbursement Arrangement) was approved by the IRS in 2019 and complies with the Affordable Care Act (ACA). It allows businesses of all sizes to reimburse employees for health insurance on a tax-free basis while staying 100% compliant with federal regulations.

What happens if employees don’t buy insurance?

Employees must have qualifying individual health coverage (such as a plan from the ACA marketplace or a private insurer) to receive reimbursements. If they don’t enroll in a plan, they won’t be eligible for ICHRA funds. However, your business only reimburses actual expenses, so you never pay for unused benefits.

How does the chatbot help with eligibility?

Our AI-based chat tool is available 24/7 to answer common questions about whether a product, service, or medication is eligible for reimbursement. It’s like having an expert on standby whenever your employees need guidance.

Can I offer different reimbursement amounts to different employees?

Absolutely. ICHRA lets you define “classes” (e.g., full-time, part-time, or by location) and set different reimbursement amounts for each class. This flexibility ensures you can tailor benefits to your business needs while staying compliant.

What happens if an employee leaves my company?

Because employees own their individual insurance policies, they keep their coverage whether they stay or leave. You simply stop reimbursing them for expenses once they are no longer employed.