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Individual Coverage Health Reimbursement Arrangement (ICHRA)
A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.
Choose the Plan That Actually Fits Your Life
Instead of being stuck with one company plan that might not work for you, ICHRA lets you shop the entire ACA marketplace and pick the coverage that matches your specific needs. Whether you need your current doctors, specific medications, or certain types of coverage.
Your Coverage that Goes With You
Unlike traditional employer insurance that you lose when you leave your job, with ICHRA you own your individual plan. If you change jobs, get laid off, or go freelance, your health insurance stays with you.
Lower or Zero Out-of-Pocket Cost
Your employer contributes a fixed monthly amount (like $400-600) toward your premium. Many employees find plans that cost less than or equal to their employer's contribution, meaning health insurance costs them little to nothing.
Maximum Flexibility
ICHRA works for diverse life situations. Whether you're single, married, have kids, are on a spouse's plan, or have unique coverage needs. You're not forced into a one-size-fits-all solution.
What is ACA?
The Affordable Care Act (ACA), often referred to as “Obamacare,” is a comprehensive healthcare reform law enacted in 2010 aimed at expanding health insurance coverage, reducing healthcare costs, and providing preventive care. The law includes provisions such as the creation of health insurance marketplaces, the expansion of Medicaid, and the establishment of 10 essential health benefits that insurance plans must cover.
Qualifying health insurance coverage, also known as minimum essential coverage, refers to any health insurance plan that meets the standards set by the ACA. Any health insurance plan that does not meet the minimum requirements is not considered a “major medical” plan.
Qualifying health insurance coverage, also known as minimum essential coverage, refers to any health insurance plan that meets the standards set by the ACA. Any health insurance plan that does not meet the minimum requirements is not considered a “major medical” plan.
Frequently asked questions
Are you integrated with the Marketplace?
Are you integrated with the Marketplace?
If this is free, how do you make money?
If this is free, how do you make money?
The purpose of a FAQ is to provide answers to common questions and help users find the information they need quickly and easily.
Do you have training?
Do you have training?
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Still have questions? See all FAQs.
Call a licensed broker for clear guidance.
Call 888-383-5527Footnotes
Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2025-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2025 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-GUIDED-CARE-EOC-2025 OHIN-134128360; OSC-TX-IVL-EOC-2025 OHIN-134080911;OSC-TX-IVL-EOC-2025-HIX OHIN-134080906; OSC-TX-S-IVL-EOC-2025-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2025 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2025-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2025 OHIN-134065976.