Health Benefits YC Founders & Their 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.
YC founder accounts are free for life.
50% discount on employee subscriptions for 2 years.
Why YC teams 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 your allowance once. Scale headcount without renegotiating a group plan.
Employee choice
Employees choose plans that actually fit their situation.
Multi-state friendly
Hire anywhere without rebuilding benefits every time.
Personal support
Get help with setup and employee questions as they enroll.
Simple setup
Create your plan, invite employees, and go live quickly within 2 weeks.
Clean records
Keep reimbursements and documentation organized in one place.
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.
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: Set Coverage
Founders and employees can enroll in the plan that fits them.
Step 4: Get Reimbursed!
Employees begin using their HRA and employers get tidy records.
Seamlessly integrate with your existing payroll systems
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 health benefits enrollment and usage support.
Audit-ready reports
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 Debit Cards for employees
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 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
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.
ICHRA vs Group Plan (2026): 7 Key Differences for Employers
Compare ICHRA vs Group Plan in this 2026 employer guide. See costs, ACA compliance, flexibility, and portability—plus a step‑by‑step transition plan. See how.
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Employee Reimbursement: Types & Tax Rules | 2026 Guide
Learn how reimbursement works in 2026—from business expenses and mileage to healthcare, HRAs, and tax-free accountable plans. Get clear steps and tips inside.
Read post
QSEHRA (Qualified Small Employer HRA)
Practical QSEHRA guide for small businesses, HR, and employees—covers eligibility, compliance, reporting, and administration in plain language.
Read post
Proof of Coverage
Understand Proof of Coverage for ICHRA: employer verification, documentation, recordkeeping, and best practices to keep HRA reimbursements tax-free.
Read post
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
Easy to setup
Tax-free savings