For Employees: Your Employer Switched to ICHRA. Here’s Why That’s Good News.
With SimplyHRA, you’re not losing your benefits. You’re getting more choice in the plan you use, plus help from a licensed benefits specialist who can guide you through enrollment and answer questions along the way.
Instead of being placed into one company plan, you can choose coverage that fits your doctors, prescriptions, family, and budget. SimplyHRA also makes premium payments easier with a virtual card funded by your employer’s monthly contribution.
Instead of being placed into one company plan, you can choose coverage that fits your doctors, prescriptions, family, and budget. SimplyHRA also makes premium payments easier with a virtual card funded by your employer’s monthly contribution.
More Personalized Coverage, With More Support
SimplyHRA helps employees find health plans that fit real life, not just whatever option an employer selected for the whole company.
Employee choice
Choose a plan that fits your preferred doctors, prescriptions, and budget, instead of being locked into the same network as everyone else.
Benefits specialist
Get one-on-one help from a licensed benefits specialist who can answer questions, compare options, and help you enroll with confidence.
Virtual card
Use a virtual card funded by your employer’s contribution to help pay eligible premiums more easily. No more waiting weeks for a reimbursement check or transfer.
Ongoing support
If questions come up later about eligibility, employment changes, moves, coverage changes, or next steps, SimplyHRA’s team is available to help.
Plan flexibility
Choose coverage that works for you and, where applicable, your spouse or dependents, instead of trying to make one employer-selected plan fit your situation.
Tax-free support
Your employer’s HRA contribution can provide tax-free help toward eligible health coverage costs, making the benefit more valuable to you.
We Help You Through Every Step
You don't have to figure this out alone. A licensed benefits specialist helps you pick the right plan, and a virtual card handles premium payments automatically after that.
A Specialist Helps You Pick a Plan
A licensed benefits specialist learns about your doctors, prescriptions, family, and budget, then helps you compare plan options that fit your needs. We have licensed benefits specialists in all 50 states.
You Receive a Virtual Card
Once you’re enrolled, you get a virtual card loaded with your employer’s monthly contribution. You can use it in your carrier payment portal or digital wallet depending on how your plan is billed.
Your Premium Is Paid More Easily
Instead of waiting through a long reimbursement cycle, the virtual card helps pay the eligible premium directly. If your premium costs more than the contribution, you pay the difference.
Support Continues After Enrollment
If you have questions later about your plan, changes, eligibility, or next steps, SimplyHRA’s team is available to help even if your employer changes or another qualifying life event occurs.
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What Changes for You With ICHRA — and Why It Can Be Better
The biggest change is that you get more choice and more personal support instead of being placed into the same plan as everyone else. Here’s how the experience often changes when your employer offers benefits through SimplyHRA.
Before SimplyHRA:
After SimplyHRA:
Your employer chooses one plan or a small set of plans for everyone.
You can choose coverage that fits your doctors, prescriptions, and budget.
You may be stuck with a network that does not include your preferred doctors.
You can compare plans based on the providers and care you actually use.
You may have to figure out plan differences on your own.
A licensed benefits specialist helps you compare options and enroll.
One company-selected deductible or premium structure may not fit your situation.
You can choose the plan design that works better for your personal or family needs.
Premium support may feel indirect or confusing.
A virtual card helps make eligible premium payments easier.
Reimbursements can feel slow or paperwork-heavy.
The SimplyHRA experience is designed to reduce reimbursement friction.
Questions about coverage can leave you unsure where to go.
SimplyHRA provides ongoing support if questions come up later.
Family coverage may feel harder to tailor to your actual needs.
You can explore options that better fit you, your spouse, and dependents where applicable.
Changing jobs can make your old group-plan setup feel uncertain.
Individual coverage can feel more personal and less tied to a one-size-fits-all employer plan.
The whole experience can feel like the company picked for you.
The experience is more personalized, supported, and built around your situation.
What Employees and Employers Are Saying
SimplyHRA helps employees feel more confident about their options while giving employers a simpler way to offer benefits.
"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
"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
"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
"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
Employee ICHRA FAQs
These are some of the most common questions employees ask when they first hear their employer is moving to ICHRA.
How does the virtual card work?
Your employer funds a virtual card each month with their contribution. You can use it to help pay eligible insurance premiums through your carrier’s payment portal or other supported payment method.
Will SimplyHRA help me choose coverage?
Yes. Every employee gets access to a licensed benefits specialist who can review your doctors, prescriptions, family needs, and budget to help you compare options. We have licensed benefits specialists in all 50 states.
Can I keep my current coverage?
In many cases, yes, as long as the plan qualifies as eligible individual coverage. SimplyHRA can help you understand whether your current plan works with your employer’s setup.
Is the HRA contribution pre-tax or post-tax?
For employees, eligible reimbursements are generally tax-free. Your employer’s contribution is designed to help offset the cost of qualifying coverage and expenses.
How long does onboarding take?
Most employers are set up in 2–3 weeks, and employees usually receive virtual card access within a few business days after completing enrollment requirements.
What if I have questions later?
SimplyHRA offers ongoing support after enrollment, so you are not left alone once your plan is active.
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.
Employee Benefits For Small Businesses in 2026: ICHRA Guide
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Section 105 Plan
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Section 105
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Have Questions About Health Coverage? Talk to a Real Person.
Book a free call with a licensed benefits specialist. We'll help you understand your options, check if your current plan qualifies, and make sure you don't have to navigate this alone.
Choose coverage that fits your life.
Get help from a licensed specialist.
Use your employer contribution more easily.
