Stop Overpaying For Group Plans Your Team Doesn't Even Like
SimplyHRA lets employers set a fixed monthly ICHRA budget and gives each employee a pre-funded virtual card to buy the health coverage that fits their life—their doctors, their family, their state. No group plan renewals. No one-size-fits-all. Just $29/employee/month, all-in.
Why choose SimplyHRA?
SimplyHRA makes it easier to offer personalized healthcare to your employees. Give them peace of mind and a partner that will help them make sense of their healthcare plans.
Cost control
Set a fixed monthly budget per employee class. Your cost is locked—no annual renewal surprises. Employer contributions are a pre-tax business deduction.
Employee choice
Each employee picks the plan that fits their doctors, prescriptions, and family—whether they’re in Texas or Colorado. No more one-network-fits-all.
Virtual card
Every employee gets a pre-funded virtual card loaded with your monthly contribution. It pays the insurance premium directly—no reimbursement forms, no 4-week waits.
Compliance
We generate plan documents, affordability calculations, and ACA-ready reports. Fully IRS-compliant since 2019. You focus on running your business.
Benefits Specialist
Every employee gets access to a licensed, local benefits specialist who helps them compare plans and enroll—at no extra cost. No navigating Healthcare.gov alone.
Plan Flexibility
Structure your HRA to reimburse premiums only, eligible medical expenses only, or both. Configure different amounts per employee class.
Your benefits under control
Powerful, self-serve product for employers and their employees to manage their health benefits. Hassle-free with instant support available 24/7.
Set Your Budget In Minutes
Choose how much to reimburse per employee class (full-time, part-time, by location). No minimums, no maximums. Change it annually as your budget grows.
Employees Pick Plans That Fit Their Lives
A licensed benefits specialist helps each employee compare ACA marketplace and private plans that can cover their doctors, prescriptions, and family. Included at no extra cost.
Virtual Cards Handle Payments
Each employee gets a pre-funded virtual card that pays their insurance premium directly. Employees then upload proof of payment to SimplyHRA for compliance and approval.
Ongoing Personalized Support
Our team and AI assistant help with eligibility questions, plan changes, regulations, and compliance via email, phone, or chat so neither you nor your employees are ever stuck.
Seamlessly integrate with your existing payroll systems
and many more!
Simple and transparent pricing
No setup fees. No onboarding fees. No platform fees. No switching fees. One price. You only pay for employees who are enrolled. If an employee doesn't participate, there's no charge.
One Plan To Rule Them All
$29/mo
per employee
Set up your ICHRA plan in minutes.
In-house health benefits enrollment and usage support.
Audit-ready reports
Employee reimbursement requests + Approval workflow
Employer → Employee reimbursement payments
Triggered by payroll system
Payroll deduction of non-reimbursed part of employer paid benefits
Automatic HRIS system integrations (Gusto, Rippling, Plane, ADP and others)
Optional: Pre-funded Debit Cards for employees - Requires deposit
Optional: Pre-funded bank account for ACH payments - Requires deposit
Automatic classification of expenses
Partial reimbursements handled automatically
Non-reimbursable purchases auto-deducted from payroll
Support
Priority + onboarding
Loved by employees and business owners!
SimplyHRA helps businesses offer the best benefits experience possible to their W2 employees. Schedule a private 1:1 consultation to ask how we can help you as an employer or employee.
"I hated having to deal with group plan drama every year. SimplyHRA empowered everyone on my team to manage their own healthcare while I set an annual budget. No more drama! Plus my accountant is happier."
Owner, Small Business
"SimplyHRA has been the easiest way to get setup with ICHRA for myself and my team. I used their benefits specialist to find new healthcare plans and couldn't be happier as an employer and W2 employee."
YC Founder
"We were paying extra with another tool that was really just using a spreadsheet. SimplyHRA makes administering ICHRA easy but the real value to me as an employee is the support I get managing my personal healthcare."
HR Manager, Small Business
"I was nervous about losing my group plan but SimplyHRA's benefits specialist found me one within a week that allows me to keep my doctor while paying less out of pocket. The virtual card pays my premium on auto-pay."
Employee receiving HRA Benefits
ICHRA FAQs
Read more below to quickly understand how SimplyHRA.com (and ICHRAs in general) can simplify and improve the employer and employee health benefits experience.
How does the virtual card work?
Your employer funds a virtual Visa card each month with their HRA contribution. The card pays your insurance premium directly to your carrier. You can add it to Apple Wallet or Google Pay or enter the card number in your carrier’s payment portal. Simply upload proof of payment into SimplyHRA after you're done.
What happens if employees don’t buy insurance?
Employees must have qualifying individual health coverage (such as a plan from the ACA marketplace or a private insurer) to receive reimbursements. If they don’t enroll in a plan, they won’t be eligible for ICHRA funds. However, your business only reimburses actual expenses, so you never pay for unused benefits.
Can employees who enroll in our ICHRA still take Marketplace premium tax credits?
Generally no. If an employee accepts an ICHRA that’s deemed “affordable,” they are ineligible for premium tax credits for those covered months. If the ICHRA is unaffordable, the employee may decline it and pursue credits on the Marketplace. Affordability compares the employee’s required contribution for the lowest-cost silver plan (self-only), net of the employer allowance, to the IRS affordability threshold.
Are business owners eligible to participate?
C-Corp owners with W2's are eligible. Other business types do not currently qualify for their owners to claim HRA benefits.
When can employees pick plans—can they start mid-month?
Individual health coverage generally starts on the 1st of a month (Marketplace rules). Your ICHRA can start any day but can not cover previous month costs. New hires and qualifying life events trigger special enrollment windows.
Can employees buy any plan they see on the public Marketplace?
Yes—eligible employees can shop and enroll in individual major medical plans on- or off-exchange, subject to enrollment windows. For tax-free reimbursement, the plan must meet Minimum Essential Coverage (MEC).
Q. Does SimplyHRA help employees choose qualified medical, dental, or vision coverage?
Yes. Every employee gets a free, one-on-one call with a licensed benefits specialist who reviews your family size, doctors, prescriptions, and budget to recommend the best plan options. We’re authorized in all 50 states.
Q. How long does onboarding take?
Most employers are fully set up in 2–3 weeks. Employees receive their virtual cards within 3–5 business days after submitting enrollment documents. If you have an urgent hire, we can expedite.
Q. Is the HRA contribution pre-tax or post-tax?
For employers, HRA contributions are a pre-tax business deduction (just like group plan premiums). For employees, the reimbursement is tax-free. Employees pay their individual plan premiums with post-tax dollars, but the HRA reimbursement offsets that cost tax-free.
Still have questions?
Can’t find the answer you’re looking for? Contact us! We're here to help.
HRA blog, glossary, and more
Resources for employers and employees to learn more about HRA benefits.
Handling Partial Reimbursements for Benefits: 2026 Guide
Master handling partial reimbursements for benefits with clear HRA rules, pro-rating, substantiation, and compliance tips. Learn workflows and approvals.
Read post
ICHRA to Payroll Reconciliation Process: 2026 Checklist
Master the ICHRA to Payroll Reconciliation Process with steps for automation, payroll integration, and year-end compliance. See the 2026 checklist now.
Read post
Section 105
Comprehensive guide to Section 105, HRAs, tax advantages, compliance, and plan design for small businesses, HR teams, and employees.
Read post
Seasonal Worker
Compliant, cost-effective health benefits for seasonal workers: ACA rules, eligibility, measurement periods, and HRA options (ICHRA & QSEHRA).
Read post
Ready to Cut Your Benefits Costs and Give Employees Better Coverage?
Schedule a free 15-minute consultation. We’ll walk you through pricing, the virtual card, and exactly how setup works—no commitment required.
Happier employees
Easy to setup
Tax-free savings
