SOURCE: 2025 HRA Council Data Report
Large employers tired of being in the health insurance business are adopting ICHRA in greater numbers than ever before. Employees get better coverage based on their indivudual needs. And best yet, and for the first time, many employees can afford family coverage made possible by federal subsidies.
Dependent coverage through traditional group plans is unaffordable. Adverse selection drives group health insurance costs higher than they should be. ICHRA solves that problem.
Group plans are essentially employee only plans. ICHRA is not only an employee plan it can be an affordable family plan too.
HR always says “We take care of our employees and only want the best for them!” Really?
