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."
Ready to switch from group health insurance?
ICHRA offers a predictable budget and more employee choice
Group health insurance doesn't work for every company. Steep renewal rates can create significant financial risk. Luckily, there's an alternative. ICHRA (now called CHOICE Arrangement) offers modern, personalized benefits that are tailored to your business and your employees.
Your team is our focus. We're in this together.
Switching from group health insurance means switching from the status quo. When you choose Take Command as your CHOICE Arrangement administrator, you get health insurance experts to guide you through the transition. We understand the process from start to launch and support you with everything from technical details to change management.
- Consultative & custom plan design
- Employee plan shopping support
- Change management best practices
- Automated reimbursement options
- Ongoing account management
Step 1
Design your custom ICHRA and set your budget
CHOICE Arrangement (ICHRA) offers lots of flexibility. To leverage that flexibility, you need a plan design that is designed specifically for your company. Our expert team will guide you through the process to make sure you’re making the most of your health benefits and your budget.
How should I structure my reimbursements?
If you have 50 or more FTEs,, you’re required to meet ACA affordability standards. That means, to avoid government penalties, you must offer employee allowances that meet a certain threshold.
How can I create classes for my employees?
You can create employee classes based on established criteria (e.g., location, full-time/part-time, etc), which allows you to set specific benefit amounts for different groups.
How long will the designing process take?
You should expect to hear from us within 2-5 business days. Once we receive the information needed and talk with you to understand the situation and goals, our design team will work with you to finalize a design (this typically takes a few more days).
Step 2
We'll onboard & enroll your employees
Our dedicated in-house enrollment team will help your employees choose the best individual health insurance plan to work with CHOICE Arrangement. We'll also handle onboarding your employees to help with the transition.
How should I communicate with my employees?
We recommend communicating early and often, so your employees can get the most out of their HRA.
Here’s what you are required to communicate:
- The allowance amount an employee is eligible for that year
- Employee communication requirements for the premium tax credit application
- Guidelines for minimum essential coverage
Here’s what we recommend communicating in addition to the above:
- Explain why the company is making this health benefits switch and the benefits for both employer and employees
- The difference between group health insurance and CHOICE Arrangement
- Where to find and purchase individual insurance,including that our enrollment team can help them make a smart decision based on their needs
- When any existing policies will be cancelled and when the HRA takes effect
What is the best way for my employees to shop for insurance?
The easiest way for employees to shop for health insurance is through our platform. They will be able to see all of their options and pricing based on their age, family size, etc. If they get stuck, they can set up a call with our enrollment team (English/Spanish) and someone can walk them through the process.
What if my employees have questions I can’t answer?
That’s what our team is here for. They can set up a call, chat with our team at the bottom right hand corner of our website, or email support@takecommandhealth.com.
Step 3
Count on Take Command
Our team will immediately get to work supporting you with ICHRA reimbursements, compliance, reporting, and answering all of your employees' questions.
How do I reimburse my employees?
We recommend pushing through tax-free reimbursements on payroll (like you would reimburse for travel expenses). We’ve also seen some business owners write checks, pay cash, or use PayPal, etc. It’s up to the employer.
How will I know how much to reimburse my employees each month?
We track reimbursements for you. When you’re ready to reimburse your employees, you’ll use our portal to see exactly how much each person is owed in a given time frame.
What if I have questions?
Contact our client success team; they’re solely dedicated to meeting your needs.
ICHRA HEALTH INSURANCE
Join the 8,000+ businesses saving on health benefits with Take Command
Leblon Franchising Holdings
"A multi-state restaurant franchise rolled out an ICHRA, saving the company 50% on healthcare costs and position their HR leader as a hero."
Turn Community Services
"A nonprofit home health company took control of their healthcare costs with ICHRA and scored a 96% employee satisfaction score."
