Health Benefits Your W2 Employees Will Love
Give your employees the freedom to choose the health insurance that fits their lives — without the cost and complexity of traditional group plans. SimplyHRA is for small businesses and startups who want to offer great health benefits without the hassle.
Why choose SimplyHRA?
SimplyHRA makes it easier to offer personalized healthcare to your employees. Give them peace of mind and a partner that will help them make sense of their healthcare plans.
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.
Benefits support
We will help your employees understand and make better use their benefits.
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.
Seamlessly integrate with your existing payroll systems
and many more!
Simple and transparent pricing
Whether you are just starting out or have a growing business, SimplyHRA offers simple, transparent pricing that grows with you.
Premium
$29/mo
per employee
Set up your ICHRA plan in minutes.
In-house health benefits enrollment and usage support.
Audit-ready reports
Employee reimbursement requests + Approval workflow
Employer → Employee reimbursement payments
Triggered by payroll system
Payroll deduction of non-reimbursed part of employer paid benefits
Automatic HRIS system integrations (Gusto, Rippling, Plane, ADP and others)
Optional: Pre-funded Debit Cards for employees - Requires deposit
Optional: Pre-funded bank account for ACH payments - Requires deposit
Automatic classification of expenses
Partial reimbursements handled automatically
Non-reimbursable purchases auto-deducted from payroll
Support
Priority + onboarding
Loved by employees and business owners!
SimplyHRA helps businesses offer the best benefits experience possible to their W2 employees. Schedule a private 1:1 consultation to ask how we can help you as an employer or employee.
"I hated having to deal with group plan drama every year. SimplyHRA empowered everyone on my team to manage their own healthcare while I set an annual budget. No more drama! Plus my accountant is happier."
Owner, Small Business
"SimplyHRA has been the easiest way to get setup with ICHRA for myself and my team. I used their benefits specialist to find new healthcare plans and couldn't be happier as an employer and W2 employee."
YC Startup Founder
"We were paying extra with another tool that was really just using a spreadsheet. SimplyHRA makes administering ICHRA easy but the real value to me as an employee is the support I get managing my personal healthcare."
HR Manager, Small Business
ICHRA 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). W2 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 but can not cover previous month costs. 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. 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.
Best Health Insurance for Businesses with Less Than 10 Employees
Compare ICHRA, QSEHRA, SHOP small-group plans, and health stipends for businesses with under 10 employees—costs, taxes, and best fit.
Read post
How to Use AI to Pick Your Health Plan
Use AI to choose your healthcare plan: build a health profile, scan SBC PDFs, compare deductibles/copays, and estimate yearly costs before enrolling.
Read post
Form 1095-B
Learn what IRS Form 1095-B is, who issues it, what minimum essential coverage it proves, deadlines, and how it differs from Forms 1095-A and 1095-C.
Read post
Form 1095-A
Understand IRS Form 1095-A (Marketplace Statement), how it supports Form 8962 premium tax credit reconciliation, and why it matters for ICHRA users.
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
