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Important Questions
How much does an ICHRA cost my business?
You choose the budget. Employers set a monthly allowance for each employee, and that amount is completely tax-free. No surprise renewals or rate hikes.
Do employees get to pick their own plan?
Yes! Each employee can choose any ACA Marketplace or private plan that best fits their needs and family situation.
Is an ICHRA ACA compliant?
Yes. ICHRAs meet ACA requirements when the employer's contribution is considered "affordable", making it a safe alternative to group health insurance.
What size businesses can use ICHRA?
ICHRAs work for businesses of any size — from small startups to large companies. Any employer with at least one W-2 besides the owner can offer an ICHRA. They're especially valuable with small businesses that have 2-50 employees, but they scale just as well for larger companies with hundreds of employees.
How do I set one up?
It's simple. We'll guide you through choosing your contribution amount, setting up employee classes (full-time, part-time, seasonal, etc.), and helping employees select their coverage.
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Important Questions
What Should I Budget for Health Insurance?
You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.
Can I Work with My Preferred Doctor?
Yes absolutely, but please ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.
Prescription Drug Needs
Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.
I Need Help Paying for Health Insurance
Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.
How do I Sign Up?
For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget. Schedule an appointment now to get started on securing your health insurance coverage.
Reviews
Real-Life Testimonials
From Satisfied Clients
Sarah T.
"I was overwhelmed by all the options and didn’t know where to start. Winston walked me through everything step. What felt like a headache turned into peace of mind."
David M.
"Winston has a calm, down to earth way of explaining things that made me feel comfortable right away. He truly listened and made sure I never felt rushed."
Angela R.
"Working with Winston gave me confidence that I was making the right choice. I left our meeting feeling secure about my coverage and my family’s future."
Looking for a First-Class ICHRA Consultant?
BrightGuard Benefits is committed to serving you at the highest level with all your Healthcare needs.
National Producer Number: 21337265
Company
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BrightGuard Benefits is committed to serving you at the highest level with all your Healthcare needs.
National Producer Number: 21337265
Company
Directories
Legal