Health Benefits Your Team Will Actually Love
Give your employees the freedom to choose the health insurance that fits their lives — without the cost and complexity of traditional group plans. Perfect for small businesses and startups that want great health benefits without enterprise complexity.
Why choose SimplyHRA?
SimplyHRA is a benefits platform that makes it easier to offer personalized healthcare to your employees.
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 and their families.
Hassle-free compliance
We handle the tax and compliance paperwork so you don’t have to.
24/7 support
Our AI chatbot answers most benefits 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.
Your benefits under control
Powerful, self-serve product for employers and their employees to manage their health 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.
Simple and transparent pricing
Whether you are just starting out or have a growing business, SimplyHRA offers simple, transparent pricing that grows with you.
Basic
$9/mo
per employee
Premium
$29/mo
per employee
Set up your ICHRA plan in minutes.
In-house health benefits enrollment support.
Audit-ready reports
Employee reimbursement requests + Approval workflow
Employer → Employee reimbursement payments
Manual by employer
Automatically added to payroll
Payroll deduction of non-reimbursed part of employer paid benefits
X
Automatic HRS system integrations (Gusto, Rippling, Plane, ADP and others)
X
Pre-funded Debit Cards for employees
X
Pre-funded bank account for ACH payments
X
Automatic classification of expenses
X
Partial reimbursements handled automatically
X
Non-reimbursable purchases auto-deducted from payroll
X
Support
Email
Priority + onboarding
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.
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.
Can employees who enroll in our ICHRA still take Marketplace premium tax credits?
Generally no. If an employee accepts an ICHRA that’s deemed “affordable,” they are ineligible for premium tax credits for those covered months. If the ICHRA is unaffordable, the employee may decline it and pursue credits on the Marketplace. Affordability compares the employee’s required contribution for the lowest-cost silver plan (self-only), net of the employer allowance, to the IRS affordability threshold.
Are business owners eligible to participate?
Owners’ eligibility depends on entity type and how they’re taxed (e.g., C-corp vs. S-corp pass-through). Employees on payroll are generally eligible; owner treatment varies.
When can employees pick plans—can they start mid-month?
Individual health coverage generally starts on the 1st of a month (Marketplace rules). Your ICHRA can start any day; we pro-rate reimbursements for partial months. New hires and qualifying life events trigger special enrollment windows.
Can employees buy any plan they see on the public Marketplace?
Yes—eligible employees can shop and enroll in individual major medical plans on- or off-exchange, subject to enrollment windows. For tax-free reimbursement, the plan must meet Minimum Essential Coverage (MEC).
Q. Which plan (Basic vs. Premium) fits us? What’s the practical difference for employees?
Basic = you reimburse manually through payroll; employees must front the full premium, then you pay them back. Premium = we pay the insurer, and the employee’s share is auto-deducted from your payroll system.
Q. Do you help employees choose Marketplace plans?
Yes. Our broker team can speak with each employee, discuss family size and spend, and help compare options. We are authorized in every state.
Still have questions?
Can’t find the answer you’re looking for? Contact us! We're here to help.
HRA blog, glossary, and more
Resources for employers and employees to learn more about HRA benefits.
How Much Do Employers Pay For Health Insurance
Explore average employer health-insurance costs, key pricing factors, and ways to cut premiums with HRAs like ICHRA—plus tax perks small businesses should know.
Read post
Out-of-Pocket Maximum
Learn how out-of-pocket maximums work in health plans and how they impact small businesses offering ICHRA solutions.
Read post
Ready to provide the best health benefits experience to your employees?
Join other small businesses and startups that trust SimplyHRA for benefits by signing up today!
Happier employees
Easy to setup
Tax-free savings
