Learn more about
ICHRA
A working library for the people who actually run ICHRA programs — TPAs, GAs, brokers, and benefits leaders. Foundations, operational playbooks, and short answers to the questions that come up in real implementations.
- 6
- Articles
- 4
- Topic areas
The shift, and why it’s sticking.
Foundational reads framing where ICHRA fits in the broader move from defined benefit to defined contribution healthcare — and what’s actually pulling adoption forward.
How implementation actually plays out
Field notes on running an ICHRA from underwriting handoff through open enrollment — the timelines, the geographic mechanics, and the affordability math that decides who is in-class.
Geographic Classes, Rating Areas, and Why They Matter
Deep dive into geographic class design: how rating areas work, why premium variance by geography matters for contribution strategy, class size minimums when mixing ICHRA and group, and the practical decisions employers face in multi-state workforces.
Affordability Isn't Binary: How Employers Actually Navigate Strategy
Moves beyond the affordability threshold as a compliance checkbox — covers the three safe harbors in practice, the 95% inclusion rule, how to handle geographic outliers, and what 'affordable for all' actually costs vs. the penalty exposure calculus for ALEs.
The business case for an ICHRA practice
For TPAs, GAs, and brokers thinking about ICHRA as a service line — the build-vs-partner decision, infrastructure economics, and the operational stack that holds up at volume.
Short answers to specific questions
Plain-language explainers — open in place, no new page. Pick a question and a definition-style answer slides in from the right.
What Is ICHRA? A Plain-Language Overview
Plain-language explanation of ICHRA for readers new to the concept: what it is, how it works, who it's for, and how it differs from traditional group health. Entry point for the content library.
ICHRA vs. QSEHRA: Key Differences Explained
Side-by-side comparison of ICHRA and QSEHRA: eligibility rules, contribution limits, qualifying coverage requirements, employee opt-out rights, and which vehicle fits which employer situation.
Want to talk through what ICHRA means for your program?
We work with brokers, TPAs, and HR teams every week. A 30-minute conversation is usually enough to know if Kyndly fits.