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An ICHRA offers employers an effective alternative to the traditional way of providing health insurance to employees. Instead of offering a one-size fits all group plan, employers can provide tax-free funding for all — or specific segments of their employees — to purchase health insurance that best meets their particular needs.

A New Option for Employers

Prior to recent government guidance, employers could not meet their Affordable Care Act (ACA) obligations and avoid penalties without sponsoring a traditional group health plan. All this changes for 2020 with the new individual coverage health reimbursement arrangement (ICHRA) option.

By offering an ICHRA you can:

  • Eliminate claim risk and cost unpredictability
  • Reduce the administrative burden of designing and managing a group health plan
  • Empower employees to select from a wide array of portable ACA-governed individual health plans
  • Meet your ACA employer mandate responsibilities

Why Willis Towers Watson?

Since 2006, Willis Towers Watson’s Individual Marketplace has helped millions of people find and enroll in individual health insurance coverage. Our fully owned and integrated HRA administration solution ensures the process is seamless and worry-free for both employers and employees. Our expertise includes:

More than 14 years of experience guiding employers, employees and retirees through the transition from group to individual coverage
More than 120 Fortune 500 companies use our individual marketplace
Experience processing nearly five million applications for individual insurance policies with over 100 carrier partners
Superior customer service, with a 98% participant satisfaction rate
Delivery of $14 billion dollars in reimbursements for individual insurance premiums and out-of-pocket costs through our HRA services


Title File Type File Size
ICHRA Product Brochure 2021 PDF 1.5 MB
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