Individual Coverage Health Reimbursement Arrangement
PAI’s Individual Coverage Health Reimbursement Arrangement (ICHRA) administration solution, powered by Group Solutions technology, is built to support health plan teams, brokers, and group administrators with ease and efficiency.
Ideal for carriers seeking a preferred, turnkey option, this solution delivers a seamless ICHRA experience for brokers and employers—backed by national scale and a differentiated group model. With advanced automation, PAI simplifies carrier operations while ensuring an optimal experience for every customer.
Our partnership empowers health plans and their customers with a clear, intuitive, and efficient technology and services solution that simplifies quoting, enrollment, billing, and administration of ICHRA groups. It is a true end-to-end solution.
General Agency (GA) for Out-of-State Employees
As a national TPA with general agency (GA) services, we can service carriers and employees all over the country, even employees living outside the employer's/broker's state or market.
Group Management and HRA Administration
HRA accounts are set up and funded with employer contributions and employee payroll deductions right in Group Solutions, so monthly premium payments process automatically to the health plan on the members' behalf.
Streamlined Implementation
We streamline implementations using automatic enrollment file and plan and rate data.
A smarter, modern alternative to traditional group health insurance.
ICHRA lets employers provide a monthly allowance of tax-free dollars, empowering employees to choose the individual health coverage that fits their needs — not a one-size-fits-all plan.
Businesses everywhere are feeling the strain of rising health insurance costs, recruiting challenges, and group plans that simply don’t fit today’s diverse workforce. The ICHRA offers a better path.
Benefits of ICHRA
Employees can use these funds to purchase individual health insurance plans, providing a flexible and personalized approach to healthcare
- Cost Control: Employers can set predictable budgets for health benefits, avoiding the rising costs of traditional group health insurance.
- Flexibility: ICHRA allows for different reimbursement levels based on employee classes, such as full-time, part-time, or seasonal workers.
- ACA Compliance: ICHRA meets the Affordable Care Act (ACA) requirements for Minimum Value and Affordability, helping employers avoid penalties.
- Attraction and Retention: Offering a flexible health benefit can help attract and retain top talent by meeting diverse employee needs.
- Choice: Employees have the freedom to choose health insurance plans that best suit their individual or family needs.
- Tax Advantages: Reimbursements for health insurance premiums and qualified medical expenses are tax-free.
- Portability: Employees can keep their health insurance plans even if they change jobs, providing continuity of care.
Still have questions?
You can view our FAQs or contact ICHRA.Enrollment@paisc.com for assistance.
Keep clients and commissions, while maintaining full visibility and servicing groups and employees with ease.
Still have questions?
You can view our FAQs or contact ICHRA.Enrollment@paisc.com for assistance.
ICHRA solves today’s biggest challenges
Traditional group health insurance has become increasingly expensive and rigid — especially for small organizations or teams with varied needs.
Instead of picking one group plan for everyone, employers choose an allowance amount and employees choose the individual plan that fits them best. It’s predictable for employers and empowering for employees.
ICHRA solves today’s biggest challenges:
- Rising health insurance costs
- Remote and distributed workforces
- Recruiting and retaining top talent
- Increasing ACA compliance pressure
- “One-size-fits-all” group plans that don’t work for modern teams
With ICHRA, businesses offer meaningful benefits without the complexity and cost of traditional group insurance — and employees gain the freedom to make their own healthcare choices.
ICHRA transforms the benefits experience for both the employer and the employee — making quality coverage more accessible, predictable, and personalized.
Why Employers Choose ICHRA
Employers gain full control over their healthcare budget, and employees gain real choice.
- Flexibility: Set your own contribution amount and tailor it across employee classes.
- Attraction & Retention: Employees choose plans that match their life stage, family, and budget.
- Cost Control: Lock in spending and eliminate the risk of unpredictable premium increases.
- ACA Compliance: ICHRA can satisfy both employer mandate requirements.
- Tax Efficiency: Contributions are tax-free for both employer and employee.
- Streamlined Administration: With proper support, managing ICHRA is simple and stress‑free.
Why choose ICHRA through PAI?
Along with using the Group Solutions Technology, PAI bring its 40+ years of experience providing flexible administration services, and a diversified portfolio with white-glove customer service to the ICHRA market with its partners, including:
- Customizable Solutions: We provide flexible solutions tailored to carriers and their clients.
- Comprehensive Services: We offer a wide range of administrative services, including claims processing, customer service, and benefits management.
- National Licensing: Licensed to operate in all 50 states, we support multiple carriers.
- Innovative Approaches: Our innovative strategies support client partners, enhancing efficiency and effectiveness.
- Experienced Staff: With a well-trained and experienced staff, we reduce the workload for carriers by managing employee benefits, health plans, and retirement plans.
- Group-centered Experience: Employees and brokers shopping and enrollment is in a familiar group-like benefits experience.
- Diverse Contribution Strategies: HRA accounts are set up and funded with employer contributions and employee payroll deductions right in Group Solutions, so monthly premium payments process automatically to the health plan on the members' behalf.
- General Agency Services: We provide general agency services for employees living outside the state or market.
- Broker AOR Protection: Brokers retain agent of record, allowing them to provide service, support and curated plan offerings to employers and employees.
Still have questions? You can view our FAQs or contact ICHRA.Enrollment@paisc.com for assistance.
Resources
- Off-platform coverage verification infographic
- Electronic Funds Transfer Authorization Form
- Exhibit A Administrative Services Terms and Conditions
- Exhibit B: Plan of Benefits
- Administrative Services Agreement
- Employee Enrollment Form
- Enrollment Checklist
- PAI Enrollment Census
- Group Solutions User Guide
Your Goals, Our Expertise—Let’s Get Started
ICHRA and BPO are powerful tools for controlling costs, enhancing flexibility, and improving your employees’ experience. With PAI, you gain access to proven expertise, seamless administration, and responsive support. Fill out the form and take the first step toward smarter, more streamlined benefits management.
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Ready to streamline your benefits? Complete the form to get started with ICHRA or BPO solutions.