Small employers everywhere are caught in the middle of trying to keep expenses down and this very tight labor market we are currently in. You need to offer benefits to recruit and retain workers but traditional health insurance plans are just too expensive. This is where an ICHRA, Individual Coverage Health Reimbursement Arrangement, comes into play. It allows you the employer to help offset some of the cost of health insurance for your employees but do it with a predictable, fixed amount every month. This amount is determined by you and could be as low as $50/month/employee.