One HSA. Two ways to win.
A Health Savings Account lets employers contribute tax-free and lets employees own, invest, and grow their savings for life. SimplyHRA, powered by Saga Health, sets both sides up in minutes. No group plan required. Included with your SimplyHRA subscription.
HSAs: The Triple Tax Advantage
No other account treats your money this well three times over.
Going in
Contributions are pre-tax (or tax-deductible), so you’re taxed on less income.
Growing
Interest and investment earnings build up completely tax-free.
Coming out
Withdrawals for qualified medical expenses are never taxed.
A simpler way to support ICHRA clients
SimplyHRA gives brokers a repeatable process for helping employer clients evaluate, launch, and manage ICHRA without building a whole new internal operation.
Step 1: Refer the Client to SimplyHRA
When a client starts asking about ICHRA, bring SimplyHRA into the conversation and we’ll help guide the employer through setup and plan design.
Step 2: We Handle the Operational Work
SimplyHRA manages administration, employee support, compliance workflows, and the mechanics behind premium payment support and reimbursements.
Step 3: You Stay the Trusted Advisor
You remain the relationship owner while we support the execution layer behind the scenes. SimplyHRA becomes your back office to call whenever you need support.
Step 4: Build a Stronger Offering
By having a real ICHRA answer when clients ask, you become more valuable and better positioned to help them through renewal decisions and fast adoption cycles.
Seamlessly integrate with your clients' existing payroll systems
and many more!
Built to help brokers say yes to more client scenarios
Most brokers already know ICHRA is coming. The question is whether you have a partner to operationalize it when a client asks. SimplyHRA bridges the gap so you can say yes with confidence instead of losing the conversation.
Before SimplyHRA:
After SimplyHRA:
Clients ask about ICHRA, but you may not have a turnkey way to support it.
You have a partner that helps operationalize ICHRA for interested clients.
Supporting ICHRA can feel admin-heavy and hard to scale.
SimplyHRA helps with administration, workflows, and ongoing support.
Compliance details can create friction for your team.
SimplyHRA supports compliance workflows and plan administration.
Employee-by-employee enrollment support may be difficult for your agency to absorb.
Licensed benefits specialists help support employee plan selection and enrollment.
A client exploring ICHRA can feel like a retention risk.
You stay the broker of record — SimplyHRA handles the execution so you keep the client.
You may have to say “not now” when a client wants a more flexible benefits approach.
You can say “yes” to more ICHRA conversations with confidence.
The payment and reimbursement workflow can feel unfamiliar or fragmented.
SimplyHRA provides virtual card and reimbursement support workflows in one experience.
Renewal conversations may stay focused only on rising group-plan costs.
You can bring a credible alternative into the conversation when clients need one.
Your team may have to build a custom process every time.
You get a repeatable, scalable playbook for ICHRA — without building it from scratch each time.
ICHRA interest can feel like disruption.
ICHRA becomes another way to strengthen your client offering and stay valuable.
Proof that the partnership model works
SimplyHRA helps employers and employees have a better benefits experience, which makes the broker relationship stronger too.
"I was nervous about losing my group plan but SimplyHRA's benefits specialist found me one within a week that allows me to keep my doctor while paying less out of pocket. The virtual card pays my premium on auto-pay."
Employee receiving HRA Benefits
"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 Founder
"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
"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
Broker ICHRA FAQs
These are the questions brokers typically ask when deciding whether SimplyHRA is a fit for their clients and workflow.
Q. Do my clients have to change brokers?
No. SimplyHRA is built to support you, not replace you. Your clients stay your clients — we handle the operational side while you remain the broker of record.
Q. How does the partnership work?
You refer a client who's asking about ICHRA. SimplyHRA handles setup, compliance, employee enrollment support, and ongoing administration. You stay the advisor — we're the back office.
Q. What support does SimplyHRA handle directly?
SimplyHRA supports plan administration, employee guidance, compliance workflows, and ongoing service so brokers do not have to manage every detail themselves.
Q. What kinds of clients are a fit?
SimplyHRA is the best fit for small businesses and startups with 2–50 employees, especially those with distributed or multi-state teams, looking for a more cost-predictable alternative to group coverage.
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 to help you answer client questions about ICHRA, compliance, and plan design.
How to Set an ICHRA Administrative Period & Coverage Dates (2026)
Learn How to Set an ICHRA Administrative Period and Its Effects on Coverage Start Dates. Get 2026 timelines, 90-day notices, 60-day SEP tips—read now.
Read post
Coordinating Benefits With Part-Time and Seasonal Staff
Master coordinating benefits with part-time and seasonal staff: ACA rules, ICHRA classes, compliance guidance, and cost-control tips. Learn how.
Read post
Waiting Period
Clear guidance on ACA 90-day waiting periods, ICHRA timing, common mistakes, and best practices for small business compliance and employee communication.
Read post
W-2 Safe Harbor
Understand the W-2 Safe Harbor for ACA affordability: how it works, employer responsibilities, common pitfalls, ICHRA interaction, and compliance tips.
Read post
ICHRA Doesn’t Have to Threaten Your Book of Business
Schedule a short intro call and we'll walk you through how the partner model works, what clients we're a fit for, and how SimplyHRA helps you stay the trusted advisor while we handle the operational side.
Keep the client relationship strong.
Offload admin and compliance.
Earn on ICHRA referrals without the operational overhead.
