01
ICHRA / CHOICE Arrangement
For employers of any size. Reimburses qualifying individual health coverage and may use permitted employee classes.
HEALTH REIMBURSEMENT ARRANGEMENTS
Choose the HRA that matches the employer’s strategy.
An HRA is employer-funded, but the rules, eligible expenses and relationship to group or individual coverage vary by arrangement.
02
QSEHRA
For eligible small employers that do not offer a group plan. Federal reimbursement limits and employee notice rules apply.
03
Integrated or group-coverage HRA
Works with an employer group health plan and may reimburse eligible out-of-pocket expenses under the written plan terms.
04
Excepted-benefit HRA
A limited arrangement offered under specific federal conditions, generally alongside access to qualifying group coverage.
05
Retiree HRA
Employer-funded support for eligible former employees, with plan terms defining timing and reimbursable expenses.
06
Post-deductible or limited-purpose HRA
Designs that restrict reimbursement timing or expense categories and may be considered in HSA-compatible strategies.
WHERE CHOICE BENEFITS FITS
One employee experience, configured to the employer arrangement.
Choice Benefits supports the operating experience around contribution strategy, benefits shopping, enrollment and communication. Final HRA documents, administration and insurance depend on the selected arrangement and providers.
ICHRA is our primary specialty.
For formal HRA design, compliance review and vendor selection, The ICHRA Shop is the advisory authority. Choice Benefits is the platform experience.
For formal HRA design, compliance review and vendor selection, The ICHRA Shop is the advisory authority. Choice Benefits is the platform experience.
Do not choose an acronym first.
Start with the workforce, current coverage, budget and desired employee experience. Then select the arrangement.