Health Benefits Served Fresh 🍳
The only ICHRA platform designed with SMBs, Agencies, & Startups in mind. Provide your employees with a comprehensive health plan while keeping your costs & administrative overhead low.
Join 50k+ Business Owners
Offering ICHRA in the United States
How it works
Create a Health Benefits Plan in Minutes & Save up to 40%
1
Set Your Budget
Pick a pre-tax allowance for your team to spend on health plan premiums. Set a flat rate for all employees, or customize your plan by employee group (hourly, salaried, etc.)!
3
Sit Back & Relax
OverEasy makes health benefits administration simple. We handle the hard stuff so you can get back to doing what you love.
Why us
Why choose OverEasy for your health benefits?
1
Experienced Professionals
Our team of dedicated professionals brings years of experience and expertise to provide best in class service to employers & employees.
2
Powered by People, Not AI
We utilize cutting-edge technology to provide accurate quotes, straightforward enrollments, and streamlined payments. Built by real life humans, not AI
3
Tailored to Small Businesses
Unlike traditional group insurance plans, ICHRA combines flexbility and affordability, making it the perfect alternative for small business owners.
Features
World-class technology powered by people, not AI
Flexible & affordable
Set a monthly budget to control costs while helping employees reduce their taxable income
Personalized plans
Give your team the choice of selecting a health plan to serves their unique medical needs
Advanced technology
Enjoy state-of-the-art healthcare benefits software made by real life humans, not AI
White-glove service
Contact our support team anytime day or night and we'll respond within 24 business hours
Compliance for SMBs
All ICHRA plans offered through OverEasy meet ACA guidelines for Essential Health Benefits
Secure employee data
Our software platform stores your data securely and meets all federal HIPAA guidelines
Pricing
$12 per enrolled employee, per month
Only pay for employees who enroll in coverage. That's it!
Individual health plans in all 50 states*
In-house licensed brokers to guide employees
Auto-pay for premium payments
Reimbursements for qualified medical expenses
Compliance management
No hidden fees or costs
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FAQ's
Frequently Asked Questions
What is ICHRA?
ICHRA is a new type of health benefit made possible by federal legislation in 2019. This new provision enables employers to offer a pre-tax monthly contribution to their employees, which they can spend on any qualified medical expense, including health insurance premiums. OverEasy makes it simple for small businesses to offer ICHRA without the hassle of administrating a health plan on their own.
How much does OverEasy cost?
With flat-rate per employee pricing, OverEasy makes it simple for business owners to predict their yearly costs. OverEasy charges a flat rate administrative fee of $12 per enrolled employee, per month. This means you only pay for employees who enroll in your ICHRA plan. You'll never be charged for employees who decline coverage or who enroll for Medicare. For example, a small business with 8 enrolled employees and a $500 monthly contribution will be billed as follows: 8 employees x $500 contribution = $4,000 8 employees x $12 fee per enrolled employee = $96 $4,000 contribution + $96 administrative fee = $4,096 billed per month
What's the difference between ICHRA & group plans?
Compared to traditional group plans, ICHRA generally offers more personalization and flexibility. Here are some key differences between ICHRAs and traditional group insurance plans: 1. Flexibility: ICHRAs offer significantly more flexibility for both employers and employees. Employers can set contribution levels and eligibility criteria, while employees get to choose individual health insurance plans that best suit their needs. In contrast, traditional group plans typically offer a limited number of preselected plans for all employees, restricting their ability to choose coverage that aligns with their individual needs. 2. Cost control: While both plans can help manage healthcare costs, ICHRAs provide employers with more control by allowing them to set fixed contribution amounts. Traditional group plans, on the other hand, can be unpredictable due to potential rate hikes, new fees, or changes in cost-sharing. 3. Administration: Compared to traditional group plans, ICHRAs often involve less administrative burden for employers. There's less paperwork involved as employees manage their own plans and claims. Employers do have some responsibility for record-keeping and compliance with ICHRA regulations, however our platform is designed to take as much of the work off your shoulders as possible.
What tax benefits does OverEasy offer?
Employees and employers can benefit from some major tax advantages with ICHRA. The monthly contirbution employees receive toward their individual health insurance premiums are generally tax-free, reducing their overall tax burden. ICHRA contributions provided by employers are generally tax-deductable, reducing the businesses yearly tax burden.
Can I offer ICHRA in addition to a tradidtional group plan?
Yes! One of the major advantages of ICHRA is that it can be provided alongside traditional group insurance plans. For example, employers can offer a traditional group plan to full-time employees while offering ICHRA to part-time employees. If you have questions about providing ICHRA alongside an existing health plan, book a consultation with one of our experts to learn more.