Health Benefits You And Your Teams Will Love
Offer an ICHRA in minutes: you set a monthly allowance, your W-2 employees choose the plan that fits them, and reimbursements stay organized and compliant with our virtual card.
YC founder accounts are free for life.
50% discount on employee subscriptions for 2 years.
Bring your own insurance or find new coverage with our benefits specialists.
Why YC teams choose SimplyHRA
Set a fixed monthly budget by employee class. Your team picks plans that fit their doctors, states, and situations. SimplyHRA handles everything else.
Cost control
Set your allowance once. Scale headcount without renegotiating a group plan.
Employee choice
Employees pick their own plans based on their doctors, state, and family — not whatever the company negotiated.
Multi-state friendly
Hire anywhere without rebuilding benefits every time.
Personal support
Your employees get one-on-one help from a licensed benefits specialist — so you don't become their HR department.
Simple setup
Create your plan, invite employees, and go live quickly within 2 weeks.
Clean records
Audit-ready records and reimbursement documentation automatically organized — your accountant will notice.
Your benefits under control
Set up in under two weeks. Employees enroll themselves. SimplyHRA handles compliance, payments, and support — you just set the budget.
Step 1: Create your plan
Choose start date and reimbursement allowances.
Step 2: Invite Employees
Add W-2 roster by uploading CSV or connect payroll to send invites.
Step 3: Enroll in Coverage
Bring your existing coverage or enroll in a new plan that fits you.
Step 4: Automatic Payments
Employees use their pre-funded virtual card to pay eligible premiums directly.
Works with the payroll tools YC startups already use
and many more!
YC exclusive pricing, straightforward.
Y-Combinator founders/alumni accounts are free for life. Get 50% off all employee accounts for 2 years. No platform fees or hidden costs.
YC Founders
Free
for life
50% discount for 2 years
$15/mo
per employee
Set up your ICHRA plan in minutes
In-house benefits specialists help every employee enroll — in all 50 states
Audit-ready compliance reports generated automatically
Employee reimbursement requests + Approval workflow
Employer → Employee reimbursement payments
Payroll deduction of non-reimbursed part of employer paid benefits
Automatic HRIS system integrations (Gusto, Rippling, Plane, ADP and others)
Pre-funded virtual card pays employee premiums directly — no reimbursement cycle
Pre-funded bank account for ACH payments - Requires deposit
Automatic classification of expenses
Partial reimbursements handled automatically
Non-eligible charges automatically declined or payroll-deducted
Priority support and dedicated 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 Startup 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.
Is this a group health plan replacement?
It can be. Many startups use ICHRA instead of a traditional group plan because it’s budget-controlled and remote-friendly. It allows businesses of all sizes to reimburse employees for health insurance on a tax-free basis while staying 100% compliant with federal regulations.
Can founders use this for themselves?
C-Corp owners with W2's are eligible. Other business types do not currently qualify for their owners to claim HRA benefits.
What if we only have 1–2 employees today?
That’s common. This is designed to scale as you hire without renegotiating a group plan every year. Your first W-2 employee's subscription is free for the first 12 months. YC founder accounts are free for life.
Do employees have to 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.
Do you support multi-state teams?
Yes — that’s one of the main reasons startups use ICHRA. You can offer different HRA amounts to employees in different states.
How fast can we launch?
If you already know your allowance amounts and start date, you can get set up quickly and invite employees right away. The average onboarding time for employers with 5-20 employees to begin taking advantage of their HRAs is 14 days.
Q. Can you help us find insurance?
Yes. Our broker team can speak with each employee, discuss family size and spend, and help compare options. We are authorized in every state.
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.
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ICHRA Benefits for Startups: 2026 Cost & Compliance Guide
Explore ICHRA Benefits for Startups in 2026: budget control, employee choice, and ACA compliance. Learn to design, set allowances, and administer with ease.
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Self-Funded Plan
Understand self-funded health plans for small employers — risks, compliance, stop-loss, and why ICHRA may offer predictable budgets without claims risk.
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Section 4980H(b) Penalty
Learn what Section 4980H(b) means for employers, who it affects, how penalties are calculated, and practical steps to stay ACA-compliant.
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Ready to provide the best health benefits experience to your employees?
Join other small businesses and startups that trust SimplyHRA for benefits by signing up today!
Happier employees with plans they love.
Easy to set up.
Tax-free employer contributions.