Individual Coverage
Health Reimbursement Arrangements (ICHRA)
The technology to administer individual coverage HRAs: employer setup, employee enrollment, and reimbursement management
CITIZ3N's ICHRA platform gives governments the tools to support employers of any size in offering an end-to-end Health Reimbursement Arrangement solution. The platform helps employers manage employee enrollments, review reimbursement requests, support premium billing, process payments, and generate reports to support record-keeping and compliance.
Any Size
Employers & employees
Configurable
To your state & plans
Integrates
Part of your marketplace
Secure and compliant
· PCI DSS · NIST 800-53 · FIPS 140-2 · ARC-AMPE
What is an ICHRA
An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets an employer reimburse employees, tax-free, for individual health insurance and qualifying medical expenses instead of offering a traditional group plan. CITIZ3N's ICHRA platform provides the technology to administer it.
ICHRA gives organizations a flexible alternative to group coverage: employees choose their own individual plans, and the employer funds a defined allowance. CITIZ3N provides the platform to set it up, enroll employees, and manage reimbursements, with the compliance recordkeeping the arrangement requires.
Capabilities
What the ICHRA Platform Does
Setup & Class Design
Configure ICHRA classes, allowances, and eligibility rules to the organization's plan.
Employee Enrollment & Plan Selection
Help employees choose individual coverage and enroll, with an accessible Section 508 experience.
Reimbursement Administration
Manage tax-advantaged reimbursements, substantiation, and payments.
Compliance & Reporting
Recordkeeping and reporting aligned to applicable IRS and ACA requirements.
Compliant and Secure
“We wanted to give people choice in their own coverage without taking on the administrative burden. The platform handled enrollment and reimbursement together.”
HIPAA
COMPLIANT
ARC-AMPE
COMPLIANT
SOC 2
Type 2
SOC 1
Type 2
PCI DSS
Certified
NIST 800-53
Controls
FIPS 140-2
Validated Encryption
Section 1940
Ready
Section 508
Accessible
NASPO ValuePoint
Where to next
Related Paths
Pillar
Marketplace Overview
The full set of Marketplace solutions: State-Based Marketplaces, SHOP, and ICHRA support.
Back to Marketplace
Sibling Solution
Small Business Health Options Program (SHOP)
Small-group coverage on the same marketplace foundation.
Explore SHOP
Who We Serve
State Exchange Operators
How the marketplace platforms map to your role and challenges.
For Exchange Operators
Common Questions
What is an ICHRA?
An Individual Coverage HRA lets an employer reimburse employees, tax-free, for individual health insurance and qualifying medical expenses instead of offering a traditional group plan.
How is an ICHRA different from a traditional group plan?
Instead of choosing a single group plan, the employer funds a defined allowance and employees choose their own individual coverage, which the platform helps them enroll in.
What does the platform handle?
Setup and class design, employee enrollment and plan selection, reimbursement administration, and compliance recordkeeping and reporting.
Is the platform compliant?
Yes: HIPAA compliant, ARC-AMPE aligned, SOC 2 Type 2, NIST 800-53, and Section 508, with recordkeeping aligned to applicable IRS and ACA requirements.
See Our ICHRA Solution in Action
Book a discovery call with our team to review our ICHRA solution and how it can be configured to your specific requirements.