Group Employee Benefits Services
Offer Valuable Benefits That Attract and Retain Top Talent
We are specialists experienced in Individual, Medicare, and Group Business Insurance with Employee Benefits. Whether you’re a small company or a large organization, we can help you design, implement, and manage a benefits package that suits your company’s needs and provides valuable coverage for your employees. We also look outside the box when researching options for your company and work with you to find the best suitable fit for your needs. We do not take the cookie cutter approach when it comes to something as valuable as your Group Benefits.
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What is an ICHRA?
An ICHRA (Individual Coverage Health Reimbursement Arrangement) is a flexible health benefits solution that allows employers to reimburse employees tax-free for health insurance premiums and qualified medical expenses. Instead of offering a one-size-fits-all group health plan, employers set a monthly budget, and employees choose the coverage that works best for them.
At Utah Health Insurance Advisors, we help small, medium, and large businesses implement ICHRA plans that reduce costs, improve flexibility, and support employee satisfaction.
Benefits of ICHRA
Whether you’re an employer seeking more control or an employee wanting more choice, ICHRA is designed to meet both needs.
ICHRA Benefits for Employers
- Cost Control & Budgeting
Set a fixed monthly allowance for each employee — no surprise premium hikes. - No Participation Requirements
Unlike group plans, there’s no minimum participation rate. Offer ICHRA to one or all employee classes. - Tax Advantages
Reimbursements are tax-deductible for the business and tax-free for the employee. - Simplified Administration
Avoid managing complex group plan renewals or escalating premium costs. - Recruitment & Retention Tool
Stand out by offering a modern, personalized benefit that appeals to today’s workforce. - Class-Based Customization
Tailor benefits by employee classes (full-time, part-time, remote, seasonal, etc.) to meet diverse workforce needs.
- Cost Control & Budgeting
ICHRA Benefits for Employees
- Freedom to Choose Your Plan
Select an individual health insurance plan that fits your unique needs, doctors, and budget. - Portability
Your coverage stays with you — even if you switch jobs or move. - Tax-Free Reimbursements
Get reimbursed tax-free for qualified health insurance premiums and medical expenses. - Access to Premium Subsidies (if applicable)
In some cases, employees may qualify for subsidies depending on affordability. - No “One-Size-Fits-All” Plan
You’re no longer locked into a group plan that may not work for you — choose what’s best for your health.
- Freedom to Choose Your Plan
At Utah Health Insurance Advisors, we help employees understand their options, select the best coverage, and maximize their employer’s ICHRA benefit.
Is ICHRA Right for Your Business?
Whether you’re a startup, growing company, or large organization looking for a smarter health benefits solution, Utah Health Insurance Advisors is here to help. We specialize in ICHRA plans that give you control while offering your employees true choice.
Contact us today to see how ICHRA can transform the way you offer health insurance.
Why Choose Group Employee Benefits?
Offering comprehensive group benefits is an essential part of attracting and retaining top talent. Providing benefits such as health insurance, dental, vision, life, and disability coverage ensures that your employees are well-supported and have access to care when they need it most. With our expertise, you can create a benefits plan that aligns with your company’s budget and employees’ needs.
Our Group Employee Benefits Include:
- Health Insurance: Including HMO, PPO, and high-deductible health plans (HDHP) to give employees the flexibility and coverage they need.
- Dental and Vision Plans: Comprehensive dental and vision care options to ensure employees can maintain their health and well-being.
- Life and Disability Insurance: Providing employees with peace of mind through life and disability coverage options.
- Wellness Programs: Wellness initiatives that promote a healthier and more productive team.
- Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): Helping employees save on medical expenses with tax-advantaged accounts.
- Employee Assistance Programs (EAPs): Offering mental health and counseling services for employees and their families.
Tailored Solutions for Your Business
We understand that every business is unique, which is why we work closely with you to customize a benefits plan that fits your company culture and budget. Whether you’re looking to provide comprehensive coverage or specific benefits, we can create a package that meets the needs of both your employees and your bottom line.
Benefits of Group Benefits Plans:
- Cost-Effective Coverage: Group plans often offer lower premiums than individual coverage.
- Employee Satisfaction: Offering a robust benefits package can increase employee morale and retention.
- Compliance: I’ll help ensure your benefits plan meets all regulatory requirements, including the Affordable Care Act (ACA).
- Ease of Administration: I handle the complexities of plan administration, so you can focus on growing your business.
Testimonials
Discover how our health insurance plans have positively impacted the lives of individuals and families, providing comprehensive coverage and peace of mind.