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ICHRA Administrator Overview

Save & streamline with our ICHRA administration

Reimburse your employees tax-free with an individual coverage health reimbursement arrangement from the industry’s only ICHRA administrator platform with hands-on enrollment support.

  • Manage benefits for an hour or less per month
  • No more surprises, renewals, or participation rate concerns
  • A smart, hands-off alternative to group health insurance
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ICHRA administrator highlights

Take Command makes ICHRA administration simple and easy.

Flexible Designs

No more one-size fits all plans! ICHRA plans can be customized and designed to achieve you or your clients’ goals. 

Simple Administration

Take Command will automatically generate the documents your employees need and can help them search for and enroll in a plan online.

No Contribution Limits

There are no annual contribution caps. This allows employers to define unrestricted benefit budgets.

Learn More

Want to dive into the details of the individual coverage HRA? 

Our ICHRA Guide will walk you through how ICHRAs work, ICHRA benefits, and ICHRA setup. 

industry's best ICHRA administrator

Join the 5,000+ businesses saving on health benefits with Take Command

Union Orthotics and Prosthetics

"Facing a 40% renewal, our broker introduced us to the idea. Take Command provides the tools there for everybody to enroll in very easy formats on the platform."

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Taro Health

"To attract and maintain talent, we needed benefits. Managing our ICHRA has been simple and hands-off. I spend two hours a month managing and administering it."

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"Take Command has made it simple to set up and administer the small business HRA for StreamCare and we highly recommend it to other small businesses."

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What to look for in an ICHRA Administrator

In 2020, the U.S. Government gave employers the option to offer an ICHRA, Individual Coverage Health Reimbursement Arrangement, instead of offering a traditional job-based health plan. This type of HRA is a great alternative for employers looking to save on premium costs and give their employees a choice over the type of coverage they want.

An ICHRA allows the employee to purchase their own individual or family health insurance on the exchange and be reimbursed for the monthly premium.  With this model comes a new way to process healthcare coverage meaning you will need an experienced company to administer the ICHRA. 

What is an ICHRA Administrator?

First, you’ll want to understand what an ICHRA administrator is and what they do. An ICHRA administrator is a professional who helps businesses set up and manage their Health Reimbursement Arrangements (HRAs). They can be a valuable partner in helping your business establish and maintain a compliant HRA. An administrator is versed in the knowledge needed to bring an ICHRA to your employees. 

The Role of an ICHRA Administrator

Setting up an ICHRA isn’t too difficult but there are rules and regulations that need to be followed. An ICHRA administrator is responsible for seeing the process and implementation by taking the following steps: 

1. Assist with the setup of the ICHRA. The administrator assists with designing the plan and determining eligible employees. They also help with determining budgets and setting up legal documents. 

2. Helping employees enroll in the ICHRA. Change management is key to a successful ICHRA launch. A plan administrator will assist with communicating the new plan and assisting with employees' enrollment on the exchange.

3. Processing reimbursements. To process reimbursements, employees need to provide proof of qualified medical expenses including individual insurance premiums. 

4. Managing changes to the ICHRA rules and regulations. Healthcare policy continues to change and evolve. The job of an administrator is to stay up to date on the latest rules and regulations so employers don’t get slapped with a fine.

5. Answering employee questions. Beyond the initial sign-up process, employees will continue to have questions regarding reimbursements. An administrator can facilitate questions and answers while maintaining the employee’s privacy. 

Why Work With an ICHRA Administrator?

Some employers may be tempted to administer the ICHRA themselves. While it’s possible, Take Command recommends not going that route. There are a few practical reasons. 

  • Expertise: An experienced ICHRA administrator will have a deep understanding of the rules and regulations surrounding HRAs, which can help ensure compliance and avoid costly mistakes. Knowing that your ICHRA is being managed by a professional can give you peace of mind and free up your time to focus on other aspects of your business.
  • Record Keeping: The IRS requires businesses to keep records for up to 7 years. An administrator keeps digital records organized and safe. 
  • Employee Privacy: As we mentioned earlier, employee privacy needs to be considered when implementing an ICHRA. To qualify for reimbursements, employees need to submit receipts for healthcare. These are considered Protected Health Information (PHI) and under the Health Insurance Portability and Accountability Act of 1996 (HIPPA), employers asking for employee medical records is a HIPAA privacy violation. 

How to Choose the Right ICHRA Administrator for Your Company?

Since ICHRAs have only been around a few years, it may be difficult to find an experienced administrator. Many insurance brokers and businesses are just becoming familiar with them. That’s why we recommend finding an administrator who is knowledgeable about Health Reimbursement Arrangements. This will ensure no regulations or processes get missed.

Second, find an administrator who is willing to work with your specific needs. Each business has a unique set of needs and problems to solve and a qualified ICHRA administrator can help you navigate any issues.

Finally, make sure the administrator has a reputable reputation and track record with other clients. 

Will ICHRA help you save on benefits? 

In about half the country, individual insurance rates are cheaper than their group plan equivalents, meaning health benefits dollars will stretch further with ICHRA. Use our heat map to see if your location is prime for saving.

Complete List of Questions To Ask When Interviewing Potential Administrators

When shopping for an ICHRA administrator, it is important to ask questions that will help you understand the capabilities of the administrators you are considering and ensure they are a good fit for your company. Here are some questions to get you started:

Reputation and Customer Service

  • How long has the administrator been in business?
  • What is the size of their customer base?
  • Do they have experience with ICHRAs? If so, how many?
  • What is their customer satisfaction rating?
  • Can they provide references from satisfied customers?
  • Do they have any negative reviews? If so, why?

ICHRA Plan Design

  • What is included in their ICHRA plan?
  • Are they able to help us determine a budget?
  • Do they make sure we meet all legal requirements? 

ICHRA Enrollment and Reimbursements

  • Do they educate the employees on the ICHRA?
  • Do they help employees enroll in the correct plans?
  • Do they have an easy-to-use platform for reimbursements? 
  • What is the average time it takes them to process claims?
  • What kind of ongoing customer support do they offer?

ICHRA Pricing

  • What is their fee structure?
  • Are there any hidden fees?

How to Get Started with An ICHRA Administrator

If you’re ready to get started with an ICHRA or learn more about it, contact us. Take Command’s platform allows you to design a plan that your employees will love. Our team makes sure your employees understand the change and are prepared to get the most out of their ICHRA. 

An ICHRA can be a great way for businesses of all sizes to offer health reimbursement assistance to their employees. By following these simple steps, you can get started with an ICHRA administrator and begin offering this benefit to your employees right away!


Ready to Get Started?

Begin designing your ICHRA plan today and be set up in minutes. You could start reimbursing your employees tax-free sooner than you think. 

Ready to get started?

Begin designing your ICHRA plan today and be set up in minutes. You could start reimbursing your employees tax-free sooner than you think.


HRA Administration pricing that’s simple.

No hidden fees. No contracts. No matter what.

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Starting at
Per Employee
  • Onboarding, support and change management
  • Autopay employee premiums
  • Customizable HRA design and reporting