Brilliant Insurance — Texas Business Benefits Advisor
ICHRA for Texas Businesses
Stop overpaying for group health insurance. ICHRA lets you give each employee a tax-free monthly allowance to pick their own plan — and save 20–40%.
David handles every ICHRA consultation personally — no call centers
Why ICHRA
Smarter Health Benefits for Texas Businesses
ICHRA (Individual Coverage Health Reimbursement Arrangement) is a modern, IRS-approved way to offer health benefits without the headaches of traditional group insurance.
Save 20–40% Immediately
Replace your group plan with tax-free allowances. Most businesses save 20–40% in year one, with no annual renewal surprises.
Employees Choose Their Own Plan
Each employee picks the plan that fits their doctors, family, and budget. You set the monthly allowance. They shop — you save.
100% Tax-Deductible
Every dollar you reimburse employees is a tax-deductible business expense. Employees also receive reimbursements tax-free.
Any Size Business Qualifies
ICHRA works for businesses of 1 to 1,000+ employees. No minimum size requirement. Perfect for small businesses and startups.
No Annual Renewal Headaches
You control the monthly allowance. No carrier negotiations, no surprise premium increases, no coverage surprises for employees.
Attract & Retain Top Talent
Offer competitive health benefits without paying group plan rates. Employees love the flexibility to choose plans that actually work for them.
How It Works
Setting Up ICHRA for Your Texas Business
David walks every business through the ICHRA setup from start to finish — free.
Free Consultation
Book a call with David. He’ll review your current costs, employee count, and goals — then calculate your exact ICHRA savings.
Design Your Plan
Set monthly allowances by employee class. Choose which employees qualify and what amount they receive each month.
Employees Enroll
Each employee shops their own individual plan from the marketplace. David guides any employee who needs help choosing.
You Save Monthly
You reimburse employees their allowance tax-free. No group carrier invoices. No renewal negotiations. Just predictable costs.
Common Questions
ICHRA FAQ for Texas Businesses
What’s the difference between ICHRA and traditional group insurance?
Traditional group insurance = you buy a plan and pay premiums for everyone. ICHRA = you give each employee a monthly allowance, they shop for their own plan. ICHRA is more flexible, usually cheaper, and eliminates carrier negotiations.
Is ICHRA legal and IRS-approved?
Yes — ICHRA was created by federal law in 2020 and is fully IRS-approved. Allowances are tax-deductible for the business and tax-free for employees. David will walk you through the compliance requirements.
How much should I set as the monthly allowance?
This depends on your market, industry, and budget. A common range for small Texas businesses is $300–$600/employee/month. David will help you find the right amount that’s competitive and cost-effective.
What about my employees who are older or have health conditions?
ICHRA lets each employee choose the plan that fits their health situation. Older employees or those with conditions can choose plans with lower deductibles. ACA marketplace plans cannot deny coverage for pre-existing conditions.
Book Your Free ICHRA Savings Review
I’m David Gustafson, licensed Texas business benefits advisor with 100+ business clients enrolled. I’ll calculate your exact ICHRA savings, design the plan, and guide every employee through enrollment. Free — no obligation.
David Gustafson — Licensed Texas Business Benefits Advisor
Free consultation. I have helped 100+ Texas businesses replace overpriced group insurance with ICHRA — saving them thousands per year while giving employees better coverage.