ICHRA (Individual Coverage Health Reimbursement Arrangement)

Affordable, flexible healthcare made simple with our easy-to-use platform. Set your budget, and employees choose their plan. ACA-compliant and perfect for high-turnover industries—save costs, attract, and retain top talent.

happy employee(s)

Your employees benefit from:

Choice:

Freedom to choose from thousands of ACA marketplace plans.

Portability:

Own their plan and take it anywhere.

Tax-Free Savings:

Every dollar reimbursed goes directly to healthcare—no income tax deductions.

You benefit from:

Cost Control:

Fixed, predictable reimbursements with no minimum participation requirements.

Tax Advantages:

Contributions reduce payroll tax liability, and reimbursements are tax-deductible.

Compliance Made Easy:

Full ACA compliance with minimal administrative effort.

Flexibility:

Offer dental, vision, and other benefits through a single, user-friendly platform.

Why choose ?

Decisely’s industry expertise and buying power allow us to offer high-value health plans tailored to your team’s needs. Our platform simplifies administration, saving you time and effort while providing exceptional healthcare options at an affordable cost. We're here to guide you every step of the way.

Compare plan options.

Not sure which one’s right for your business?

We’ve laid out the key differences between ICHRA and Group Plans to help you make the best choice.

Feature	ICHRA	Group Plans
Cost Control	Employers set a fixed reimbursement amount, offering predictable and manageable costs.	Offers potential for group discounts; costs are shared between employer and employees.
Flexibility	Employees choose individual plans tailored to their needs and family situations.	Provides a uniform benefits package for all employees, simplifying decision-making.
Risk Management	Shifts risk to the individual market, protecting employers from high claims costs.	Risk is pooled within the group, which can help stabilize costs for employees.
Savings Potential	Reduces waste by aligning benefits with individual employee preferences.	Economies of scale may apply for larger employee groups, potentially lowering premiums.
Compliance	Meets ACA requirements with simple setup and administration.	Ensures ACA compliance through traditional insurance structures and carrier support.
Employee Retention	Provides personalized benefits that appeal to a diverse workforce.	Familiar option that may appeal to employees accustomed to group coverage.

Explore Solutions:

Decisely ICHRA

Provide plan choice and flexibility to your employees

Group Plans

Give the care your employees need while keeping your budget in check

Voluntary Benefits

Give your employees extra protection when they need it most

Compliance Solutions

Protect your business from risks and penalties

The Medical Association of Georgia and outside vendors have worked to provide an independent source of benefits, retirement, health insurance, and HR services for the benefit of its members. Benefits, HR, retirement and health insurance decisions, and sourcing are the responsibility of the MAG member practices. A practice’s decision to use these benefits or services is solely its decision. Neither the Medical Association of Georgia, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.