73% of Our Clients Save $5K+ — Here's Exactly How

Seventy-three percent of our clients save over $5,000 a year after switching from traditional group health insurance. That's not a marketing claim — that's what we see again and again when small businesses make the move to an ICHRA (Individual Coverage Health Reimbursement Arrangement). Here's exactly how the savings happen.

Why Group Health Insurance Keeps Getting More Expensive

Traditional group health plans are built to grow — and not in a good way. Every year at renewal, premiums jump 15–25%. You have no real control over that number. You also have to meet participation minimums, navigate compliance requirements, and offer a one-size-fits-all plan that rarely fits anyone well.

The result? You overpay. Your employees are underwhelmed. And you dread the renewal letter every single year.

How ICHRA Puts You Back in Control

An ICHRA works differently. Instead of buying a group plan, you set a fixed monthly contribution amount. That's your number. You decide it. It doesn't change unless you change it.

Your employees take that contribution and shop for their own individual health insurance — a plan with Minimum Essential Coverage (MEC). They pick the doctor they want, the network that works for their family, and the coverage level that fits their life. You're not locked into one plan that tries to work for everyone and ends up working for no one.

Where the $5,000 Savings Comes From

Individual health plans are often 30–50% cheaper than comparable group coverage. That gap is real money.

Here's a simple example. Say you've been paying $800 per employee per month on a group plan. You switch to ICHRA and set your contribution at $500 per employee per month. Your employee finds an individual plan they love for $480 a month. You saved $300 per employee per month. Over a year, that's $3,600 per employee — and many businesses have 5, 10, or 20 employees.

The math adds up fast. And unlike a group plan, your cost is fixed and predictable. No surprise renewals. No 20% jump because one employee had a bad health year.

Employees Actually Like This Better

Here's something group plans almost never deliver: employee satisfaction. When people choose their own plan, they feel ownership over it. They picked the doctor. They chose the network. The benefits feel personal — because they are.

That matters for recruiting and retention, especially for small businesses competing against larger employers for talent.

No Contribution Cap — That's a Big Deal

Unlike a QSEHRA, which caps contributions at $537.50/month per individual in 2026, an ICHRA has no maximum. You can contribute as much as you want. That flexibility makes ICHRA the stronger choice for most growing small businesses.

Ready to Stop Dreading Renewal Season?

If you're a small business owner tired of unpredictable premiums and one-size-fits-all plans, ICHRA could be the solution you've been looking for. The Benefit X-Change (by AssureCor) makes it simple to set up and administer.

See how much your business could save at benefitx.com.