Corporate Benefits Strategy
Why ICHRAs are Changing Small Business Benefits
A smarter, tax-free alternative to traditional group health plans — built for the modern workforce.
For decades, small business owners have been trapped in a cycle of double-digit premium hikes and rigid group health plans. The Individual Coverage Health Reimbursement Arrangement (ICHRA) completely flips that model.
It moves employer health benefits from a defined benefit to a defined contribution.
How It Works
Step 1
Employer Sets the Allowance
The employer sets a fixed, tax-free monthly allowance.
Step 2
Employees Shop the Market
The employees then take that tax-free money and shop the open individual market for a plan that fits their specific needs.
The Brilliant Advantage
1.
Predictable Costs
Lock in your benefits budget with a fixed monthly contribution — no surprise premium hikes at renewal.
2.
Ultimate Personalization
Every employee chooses the plan that fits their family, doctors, and budget from the full individual market.
3.
Zero Participation Hassles
No minimum participation requirements, no carrier negotiations, no annual group plan headaches.
Our ICHRA Partnership
Brilliant Insurance partners with top-tier administrators like Take Command to build and deploy seamless ICHRA strategies for our corporate clients.
Book an Advisory CallReady to Model Your Custom Strategy?
Book an advisory call with our executive team today to model your custom strategy.
Book an Advisory CallOr explore our 1099 Bundles for individual coverage options.