If we were building employee healthcare benefits from the ground up today, we wouldn’t design the same system we’ve been using for decades. We’d design something modern—something flexible, personal, and predictable. In short, we’d design ICHRA.
Why the Old System Doesn’t Work Anymore
Traditional group insurance was built for a different era—when people stayed in the same job for 20 years, worked in the same office, and expected one-size-fits-all coverage. But today’s workforce is different. Employees move jobs more often, work remotely, and want options that match their stage of life.
For employers, the old system is costly, complex, and full of compliance hurdles. Year after year, premiums climb, coverage stays rigid, and businesses feel like they have no control.
ICHRA: A Smarter, Simpler Model
The ICHRA (Individual Coverage Health Reimbursement Arrangement) flips the script. Instead of paying for a single group plan, you decide how much to contribute toward each employee’s health coverage. Then, they choose their own plan—one that actually fits their needs.
Maybe one employee wants low premiums and another prefers more coverage for their family. Both can get what they want, and you only pay what makes sense for your business.
Benefits for Everyone
For employers, this model means predictable costs, fewer headaches, and full control over budgets. For employees, it means choice, flexibility, and ownership of their healthcare decisions. Everyone wins.
It’s the way modern benefits should work—simple, customizable, and fair.
Why Now
As healthcare costs rise and talent competition grows, offering outdated benefits just doesn’t cut it. Employees are looking for flexibility, and businesses need efficiency. ICHRAs deliver both.
With Pro-Tier, you can implement this modern model in under an hour. It’s the future of employee healthcare—available right now.