ICHRA, or Individual Coverage Health Reimbursement Arrangement, is a group health plan that allows an employer to reimburse all or a portion of individually owned health insurance on a tax free basis. This benefit option is growing in popularity due it’s simplicity, cost savings and flexibility in plan design.

An ICHRA offers a variety of benefits for both large and small employers:

  • Budget friendly for employers and employees.
  • Employees choose coverage that fits their specific needs.
  • Meets the Large Employer Mandate imposed by the ACA.
  • All funds are 100% tax free.

Large Business Insurance.

If you’re an Applicable Large Employer than you are likely aware of the slippery slope of the employee benefits world. From overreaching mandates to annually increasing premiums, a large employer’s work is never done with regard to employee benefits. We specialize in this type of consulting and have tools available you won’t find anywhere else.

We can help you put all of the pieces in place:

  • Consulting and benchmarking.
  • Online enrollment and benefits administration.
  • Integrated ACA compliance services.
  • Self-funding, fully-insured and partially self-funded options.
  • ACA compliance only health coverage options. We offer the most affordable health plan in America!

Small Business Insurance.

The Affordable Care Act defines a small employer as having less than 50 Full-time employees. You may be a small employer but your needs are important and affordable health solutions are critical to the well being of you and your employees. We offer a WIDE variety of options and tools to make health benefits simpler, effective and more affordable than ever before.

Our licensed agents are well versed in employee benefits:

  • Guaranteed health coverage.
  • Trained professionals dedicated to your company.
  • Wide variety of insurance options all integrated.
  • Online enrollment and benefits administration.

Individual Insurance.

Common Market Health exists to help you find quality coverage specific to your health, dental, vision and financial needs. Our trained and licensed team will take the time to make sure you understand your coverage and feel confident you’ve chosen the best possible plan for your needs.

Here are just some of the things you receive when you choose to work with us:

  • A dedicated agent who becomes your primary contact.
  • Access to our state of the art private exchange.
  • Renewal communications and plan support.
  • Access to our network of plan and carrier options.
  • A true advocate in health insurance.

ACA Compliance.

“We can’t do it Captain, we just don’t have the power.” — anonymous employer navigating the Large Employer Mandate

If you’ve ever tried to parallel park a semi-truck then you know the struggles in navigating the Affordable Care Act’s Employer Mandate. Common Market Health employs a network of professionals specifically trained to analyze your company through the lens of the ACA and help put a genuinely beneficial benefits plan together.

We’re all in this together, and this one takes a village. We wish we could claim that the “right” insurance plan is all that’s needed here but if you’re reading this then you know that isn’t the case. We have developed an elite team of agents trained specifically to hone in on the exact needs of your company and bring all the resources to the table that is needed to bring your company into compliance and as simply, effectively and affordably as possible. Put us to the test!

Voluntary Benefits.

Voluntary benefits (AKA: ancillary, worksite and supplementary benefits) are a powerful way to fill gaps not covered by major medical insurance. Voluntary benefits are key to a successful benefits program. Every voluntary package we offer is specific to your needs and is offered to employees by a dedicated enrollment councilor in a 1 on 1 enrollment session.

Here are a few of our favorite voluntary benefits:

  • Dental and Vision plans.
  • Critical Illness and Accident.
  • Legal Service
  • Health Accounts: HSA, FSA, HRA, Commuter
  • Disability and Life Insurance

with an agent today.