Health Benefits Should Work for Everyone
A national campaign advancing modern, flexible, and affordable health coverage — putting choice in the hands of workers and predictability in the hands of employers.
The Way We Do Health Benefits Is Broken.
For too long, employer-sponsored health insurance has meant one plan, one set of options, and one-size-fits-none coverage. With year-over-year premium spikes now approaching 20%1, businesses are being forced into impossible choices: slash benefits, shift unsustainable costs onto workers, or drop health coverage entirely. Small businesses can't compete. Workers change jobs but lose their coverage.
Policymakers on both sides of the aisle agree: the system needs to evolve. There's another way to finance affordable coverage — and it already exists.
Rising Premiums
Employer health costs have outpaced inflation for over a decade, squeezing small businesses and workers alike.
No Real Choice
Most workers are locked into a single employer-selected plan with little visibility into alternatives.
Coverage That Doesn't Travel
Employees lose their coverage when they change jobs — a structural flaw in a modern, mobile workforce. Health benefits should move with the worker, not stay with the employer.
Meet the Modern Benefits Model.
Empowering Employers. Expanding Consumer Choice. Stabilizing Local Markets. The era of rigid, one-size-fits-all group health insurance is evolving. Across the nation, public and private sector leaders are turning to Individual Coverage Health Reimbursement Arrangements (ICHRAs) to address rising healthcare premiums. ICHRAs let employers of any size contribute a fixed, tax-free amount directly to their employees — who then choose their own health plan. Employers control costs. Employees own their coverage. And the market gets stronger.
ICHRAs have been available since 2019, and are backed by bipartisan momentum in Congress and statehouses across the country. What they need now is a unified voice.
Employers of all Sizes
ICHRAs work for businesses of all sizes — across every industry, every state, and every workforce model. 84% of small businesses that offer ICHRA are offering insurance for the first time to employees.2
Undeniable Choice and Quality Coverage
Employees choose from fully regulated plans on the individual market — with consumer protections such as no coverage denials for pre-existing conditions, first dollar coverage for preventative care, and comprehensive health benefits required in every plan offering.
Bipartisan Momentum
State legislation in AZ, CT, FL, GA, IL, IN, MS, NH, OH, PA, TX, VT, WI — with growing federal momentum and a model law by National Council of Insurance Legislators (NCOIL).
State Legislative Tracker
Where ICHRA Is Moving.
Click any highlighted state to see the bills, budget actions, and platforms advancing individual coverage health reimbursement arrangements this session.
Where Is Employer Health Coverage Headed?
Tell us what you think — and see how employers, insurers, and advocates across the country are weighing in.
A Campaign Built to Win.
ICAA brings together insurers, employers, ICHRA platforms, business associations, healthcare providers, worker advocates, and consumer groups around a shared goal: making flexible, affordable health coverage the new standard.
Together, we raise awareness, advance policy, and ensure that employers and employees — not just large corporations — have real options when it comes to health benefits.
Guiding Principles
1. Lead With Modernization, Not Disruption. Advance and modernize employer-sponsored healthcare — not dismantling existing coverage structures.
2. Center Employers & Consumers in Every Narrative. Focus on outcomes that improve the lives of employers, employees, and families — driving greater choice, lower costs, improved access, administrative simplicity, and long-term sustainability.
3. Build Credibility Through Data-Driven Leadership. Communicate with discipline, transparency, and measurable evidence. Our research, case studies, and economic analysis establish us as a trusted, solutions-oriented authority.
4. Collaborate on Market Growth. We operate as a neutral platform for industry advancement and collective progress — aligning around shared goals that expand the market while respecting commercial competition.
5. Position ICHRA as One Option in a Broader Ecosystem. ICHRAs are one important tool within a broader suite of employer-sponsored solutions that meet diverse workforce needs. We respect traditional coverage and other options.
The Window Is Open. Let's Lead.
Congress and the White House are actively debating health care reform. Enhanced premium tax credits have expired. Both parties are under pressure to deliver on affordability — and there is rare, genuine appetite for market-based solutions that work for workers and businesses alike.
ICAA exists to fill that space with a credible, unified, and durable movement — before someone else defines the terms.
Healthcare Reform on the Table
Active legislative debate in Congress creates a rare opening for durable, bipartisan reform on employer-sponsored coverage.
Premium Tax Credits Expired
The lapse of enhanced tax credits puts affordability front-and-center — and gives ICHRA a compelling, timely value proposition.
Bipartisan Pressure to Deliver
With state and federal elections around the corner, both parties need a credible answer on healthcare costs. ICAA provides the policy infrastructure and campaign credibility to shape that answer.