This policy explainer describes what Particular person Protection Well being Reimbursement Preparations (ICHRAs) are and the way do they differ from typical employer-sponsored well being care plans.
ICHRAs, which symbolize a brand new strategy for employers in offering complete well being protection, assign extra alternative and accountability to workers, who should choose and enroll in a person insurance coverage coverage and are liable for paying its premium. Employers use ICHRAs to reimburse workers for his or her well being care plan prices and may differ the quantities they provide primarily based on age, the kind of employee (full or part-time), geographic location, and different components.
The total explainer and different knowledge on well being prices can be found on the Peterson-KFF Health System Tracker, a web based info hub devoted to monitoring and assessing the efficiency of the U.S. well being system.
