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Expensive, hard to administer group health insurance is no longer your only option.
Recent changes allow you to adopt a type of health insurance plan for your employees:
An Individual Coverage Health Reimbursement Account (ICHRA).


Great for Employers and Employees.

  • You offer employees a choice of virtually any individual health insurance plan in the market.
  • No more difficult and complex decisions at renewal time – employees select their own plans.
  • Be fully compliant with all ACA mandates and avoid fines.
  • Avoid risk of cost increases – you decide how much to spend on your health plan, not an insurance company.
  • Can select a plan that fits their own needs – from deductibles to doctors, employees decide what’s right for them.
  • Employees continue to benefit from the tax advantages they have today with the same tax-free funding as a traditional group health insurance plan.
  • Can keep the same health insurance plan if they retire or change jobs.

Is an ICHRA right for your company?

We can help you decide. Here’s what we do.
  • Oswald will provide a financial analysis to determine the potential cost savings of moving to an ICHRA.
  • Perform a market analysis to identify health insurance plans available to your employees regardless of where they reside.
  • We will work with you to fine tune the ICHRA options and develop a plan that fits your unique needs.
  • Discuss the best way to communicate the ICHRA to your employees.
Once you decide to move ahead and start enjoying the advantages of an ICHRA the specialists at Oswald will:
  • Assist with the setup of your ICHRA health plan so it is 100% compliant with all applicable regulations.
  • Provide individual guidance for each employee to help them understand the new ICHRA healthplan.
  • Assist each employee in selecting an individual insurance plan that best fits their needs.
  • Be available throughout the plan year, month after month, to assist employees with their health insurance and answer questions.


Get started today. Complete the information request and an Oswald ICHRA specialist will contact you so we can get to work immediately. Why wait? Find out how you can leave the expense and hassle of a traditional group health insurance plan behind and move to an ICHRA.

Ready to go?

Provide us a census file and we can get to work even faster.
Download the format HERE, complete it and then return it when you complete the contact form below.