Prepare for a meaningful ICHRA proposal

Stage 1: the initial conversation

• Company name and the decision-maker’s role.
• Approximate employee count and current benefits approach.
• Employer state and the states where employees are located.
• Renewal month and desired effective date, if known.
• The main reason for evaluating ICHRA.

Stage 2: aggregate assessment

Prepare a summary of employer contributions, employee premium contributions, current plan structure, and administrative costs. Identify related entities, relevant bargaining agreements, public-contract questions, and the mix of full-time, part-time, seasonal, salaried, and hourly employees. Aggregate information is usually enough to frame the next workstream.

Stage 3: secure detailed information

A later analysis may require ages, geographic information, eligibility dates, wages for the chosen methodology, and other necessary census fields. The administrator or authorized advisor should specify the minimum data needed and the approved transfer method. Do not upload an identifiable census or medical information through this website.

Preparation worksheet

• Our renewal month: ____________________
• Our intended effective date: ____________________
• Our approximate eligible employee count: ____________________
• Our employee states / regions: ____________________
• Our current employer benefits budget: ____________________
• Our principal goal for the review: ____________________
• Our internal decision-maker and deadline: ____________________
• Contracts or benefit commitments requiring review: ____________________

What a preliminary review can establish

The initial discussion can identify the information needed to compare costs, coverage options, design constraints, and timing. It is not a binding quote, a promise of savings, or a legal compliance determination. Scope, availability, and any charges should be agreed before services are provided.