LA Castle Brokers Group — Employee Benefits

Give your team real
health benefits.
Without the cost or the paperwork
of a group plan.

ICHRA is the tool traditional advisors don't tell you about. Full control of your budget, 100% deductible, and zero risk of premium increases. We handle everything.

Set up ICHRA at my company See how it works
100%
Tax
deductible
No minimum
Employee count
required
30 days
Full
setup
Individual Coverage HRA

What is ICHRA, and why is it revolutionizing benefits?

ICHRA — Individual Coverage Health Reimbursement Arrangement — is a mechanism approved by the federal government in 2020 that allows any business, regardless of size, to reimburse employees for their own individual health insurance.

The logic is simple and powerful: the company sets the exact budget. The employee chooses their plan. The reimbursement is tax-free for both parties. No more negotiating with insurance carriers. No more renewals that arrive with 15% increases.

"The employer controls the cost. The employee has the freedom to choose. The government makes it deductible. Everyone wins — except the carriers that lived off overpriced group plans."

800K+
Employers adopted ICHRA in 2023
30-40%
Average savings vs. a group plan
100%
Of the reimbursement deductible as payroll

The company sets the budget

You decide how much to reimburse — per month, per employee class, per family or single employee. That amount never changes unless you decide to change it.

Every employee chooses their plan

On the ACA Marketplace or the private market. With guidance from our agents, each worker chooses the plan that best fits their family and medical needs.

Tax-free reimbursement

The employee submits proof of their insurance payment. The company reimburses. Neither the company nor the employee pays taxes on that money. It's a real business deduction.

What ICHRA looks like in practice

A plan designed with you, not imposed on you

ICHRA isn't a form you fill out alone. It's a LA Castle Brokers Group specialist helping you set the budget — and every employee choosing the plan that works best for them.

Small business owner in Houston reviewing an ICHRA budget spreadsheet on a laptop with a LA Castle Brokers Group advisor

We design the budget with you, not for you

A LA Castle Brokers Group specialist sits down with the business owner to review payroll, headcount, and available budget to reach a reimbursement amount the company can sustain month to month. The exact cost depends on each business — nothing is set without this conversation.

Small business employee checking on her phone, during a break, the individual health plan options she could choose under ICHRA

Every employee chooses the plan that works for them

Once the company sets the budget, each employee reviews the options available on the Marketplace or the private market and chooses the plan that best fits their family — not a single plan negotiated for everyone. Eligibility and specific options depend on each employee's individual situation.

No-obligation consultation

Set up ICHRA at your company — schedule a consultation

A LA Castle Brokers Group specialist will review your company's size, payroll structure, and current benefits cost to design the optimal ICHRA plan for you.

100% free consultation, no obligation
Plan documents and ERISA compliance included
Full setup completed in 30 days or less
Ongoing support for employees during plan selection
LA Castle Brokers Group

ICHRA for Businesses

Complete the form and a specialist will design the optimal ICHRA plan for your company's size and structure.

No cost. No obligation. Response within 24 business hours.

Comparative analysis

ICHRA vs. Traditional Group Plan

The difference isn't subtle. It's structural. See how ICHRA redefines every critical factor that affects budget and employee satisfaction.

Factor ● ICHRA Traditional Group Plan
Cost control ✓ You set the exact limit The carrier raises the premium annually
Minimum employees ✓ No minimum Generally 2 or more employees required
Flexibility for the employee ✓ Chooses their ideal plan Same plan for everyone, no options
Tax deduction ✓ 100% of the reimbursement Partial, depending on business structure
Administration ✓ Simple — we handle it Complex, mandatory annual renewal
Plan portability ✓ Employee keeps their plan Loses coverage upon leaving the company
ACA compliance (50+ employees) ✓ Automatic Requires active management and reporting
Risk of premium increases ✓ None — fixed budget High — average 8% annual increase
Your business qualifies

What type of business ICHRA is for

ICHRA has no industry or size restrictions. If you have employees and want to offer them real benefits with a controlled budget, you qualify.

SMBs with 1–50 employees

The size that benefits most. No minimums, no red tape. Predictable budget from day one.

Restaurants and Food Service

Variable workforce and high turnover. ICHRA adapts to any schedule structure and contract type.

Construction and Manufacturing

Employees across multiple sites and states. ICHRA works nationwide with no geographic restrictions.

Transportation and Logistics

Operations across several states without the hassle of multi-state group plans. One system, coverage nationwide.

Retail and Hispanic-Owned Businesses

Family-owned businesses that want to attract talent with competitive benefits without hurting monthly cash flow.

Growing Startups

Scale benefits at the same pace as your team. No annual contracts that freeze your budget just when you need the most flexibility.

Your group plan went up more than 10% this year

If you recently received a renewal with a double-digit increase, ICHRA can save you between 30% and 40% of your total benefits cost — with a better experience for employees. Now is the time to make the switch.

The full process

How ICHRA works, step by step

From design to the first reimbursement. We handle every phase — you just approve and sign.

01
Step 1

Plan design

In a strategy consultation we define together: reimbursement amounts by employee class (full-time, part-time, management), eligibility periods, beneficiary classes, and the monthly reimbursement cycle. The plan is fully customized to your payroll structure.

02
Step 2

Legal implementation

We draft the formal plan documents, prepare the required employee notice, set up ERISA compliance tracking, and make sure everything is in order before the first effective day. No legal errors that could cost you later.

03
Step 3

Every employee chooses their plan

Our agents work directly with each employee to explore the options available on the ACA Marketplace or the private market in their state. We guide them on subsidies, deductibles, provider networks, and premiums — so they choose the right plan for their family, not just the cheapest one.

04
Step 4

Automatic monthly reimbursement

The employee submits proof of their insurance payment. We verify, process, and document the reimbursement. The company reimburses the agreed amount — tax-free — and we record everything for the annual tax filing. You don't touch any part of the operational process.

Double advantage

Real benefits for employer and employee

ICHRA isn't a benefit that favors one side at the expense of the other. It's the only benefits model where both sides win tangibly.

For the Employer

Full control of the benefits budget

The amount you set is exactly what you pay. No surprises, no premium increases, no annual negotiations.

100% deductible as a business expense

Every dollar reimbursed to your employees is deductible as a payroll expense. It's an investment, not a cost.

Attracts and retains talent with real benefits

78% of employees prefer a job with health benefits over an equivalent salary increase. ICHRA makes you competitive.

Eliminates complex annual renewals

No more weeks negotiating with carriers every November. The ICHRA plan is continuous — only you decide whether to adjust the amounts.

Automatic ACA compliance

For businesses with 50 or more employees, ICHRA satisfies the employer mandate under the Affordable Care Act.

No risk of premium increases

Market premiums may rise. Your cost as a business doesn't change. The risk of medical inflation isn't yours — it's the market's.

For the Employee

Chooses the plan that best fits their family

Not a generic plan for 50 people. Their own plan — with the doctor they already know, the network that covers their kids, the deductible they can afford.

Full portability of the insurance

If the employee leaves the company, they keep their health plan. They just stop receiving the reimbursement — they don't lose coverage or have to start over.

Pays no taxes on the reimbursement

The reimbursement they receive doesn't count as taxable income. It doesn't appear on the W-2. It doesn't affect their tax return. It's clean money.

Can combine with ACA subsidies

In certain cases, employees can receive the ICHRA reimbursement AND take advantage of Marketplace subsidies if the reimbursement doesn't cover the full cost of the plan.

Access to every plan in their state

No matter what state they live or work in, they can explore and choose from all plans available in their market — with support from a LA Castle agent.

Fast and hassle-free

Implementation in 3 steps

From first contact to an active plan in under 30 days. We handle the technical and legal work — you just lead the change.

1

Strategy consultation

We review your current benefits structure, team size, and available budget. In 45 minutes you have a personalized ICHRA plan on the table.

2

Documentation and launch

We prepare all the legal documents, the employee notice, and the reimbursement system setup. We officially launch the plan with clear communication for your team.

3

Ongoing operation

Every month we process reimbursements, maintain compliance records, and support your employees in managing their plans. You focus on your business.

Your team deserves it.
Set up ICHRA this month
and turn the cost into a deductible investment.

Every month you stay on an overpriced group plan is money leaving your business unnecessarily. The switch to ICHRA takes 30 days and starts with a free conversation.

Set up ICHRA at my company Call now: 832-528-3824