An Individual Coverage HRA (ICHRA) is a benefit your employer provides to help pay for your individual health insurance. Instead of joining a company group plan, your employer provides an allowance and you choose your own insurance. This gives you extra flexibility and more choices to find a plan that works for you and your family.

How It Works

• Your employer gives you a monthly allowance.
• You shop for health insurance using When's shopping and enrollment platform
• Pick a plan and submit an enrollment application
• When will enroll you in your selected plan and pay the monthly premium using a virtual debit card. No need to pay up front and get reimbursed. 
• If the plan you selected is more expensive than the amount your employer contributes, the remaining amount will be deducted from your paycheck by your employer pre-tax.

Can I pick a plan outside of When? 
Absolutely, if you already have an individual health insurance plan that you want to keep or want to enroll in a plan outside of When, you can do that and get reimbursed from your ICHRA. Here's how it works: 

• You buy your own health insurance plan (through a marketplace, insurance company, broker, or Medicare if you qualify).
• You submit proof of your insurance.
• When will reimburse you, tax-free, for your insurance premium payment, up to the amount your employer contributes.