Stop Letting Health Insurance Drain Your Business
There is a smarter way to offer your team real coverage — without the group plan headaches, surprise renewals, or sky-high premiums.
Sound Familiar?
If You Run a Business
and Offer Benefits, This Is You:
Your group plan renewal comes every year — and every year it costs more
Double-digit premium hikes are the new normal. You're absorbing costs your competitors aren't.
Half your team doesn't even use the coverage — but you're paying for all of it
You're subsidizing a one-size-fits-all plan that doesn't fit anyone's actual life.
The admin burden is crushing — managing plans, compliance, open enrollment
HR paperwork wasn't why you started your business. Stop running an insurance department.
You're afraid that dropping benefits will cost you your best people
You feel stuck — trapped between a plan you can't afford and the team you can't afford to lose.
You didn't build a business to spend it all on a broken health insurance model. There's a better way.
See It In Action
What Is ICHRA — And Why It Works
A quick 2-minute breakdown of how ICHRA gives employers cost control and employees real coverage choice.
Run Your Numbers
See What ICHRA Could Save You
Enter a few details about your business. We'll show you what the numbers look like.
Tell us about your team
Fill in your details and hit calculate to see your estimated savings.
* Estimates based on 2024 KFF employer health benefits data and national ICHRA averages. Actual savings vary by location, plan selection, and contribution level. This is not a quote or guarantee.
The Winning Alternative
Meet ICHRA — The Health Benefit
That Works For You
ICHRA (Individual Coverage Health Reimbursement Arrangement) is a federal regulation introduced in 2020 that lets you reimburse employees tax-free for the individual health insurance they pick themselves. No group plan. No insurance company dictating your options.
Works for any business size — from a solo operator with one employee to a growing company with hundreds. Reimbursements are tax-deductible for you, tax-free income for your employees. And unlike group plans, there are zero minimum participation requirements — it works even if just one employee wants coverage.
You set the budget — they pick their plan
Give each employee a monthly tax-free allowance. They choose the individual health plan that actually fits their family, doctors, and needs.
100% of your contributions are tax-deductible
Every dollar you put into an ICHRA is a business expense. No payroll taxes on contributions. It's one of the most tax-efficient benefits available.
No minimum participation requirements
Unlike group plans, ICHRA doesn't require a certain percentage of your team to participate. It works even if just one employee wants coverage.
Works across all 50 states
Employees choose ACA marketplace plans in their own area. No network restrictions imposed by you. They stay with their doctors.
No renewal nightmares
You decide your budget once a year. No insurance company calling you in October to tell you premiums went up 22%. You stay in control.
Scales up or down with your team
Hire someone new? They're onboarded to ICHRA. Someone leaves? Their allowance simply stops. No policy changes, no broker calls.
Group Plan vs. ICHRA
Most small businesses were never well-served by the group plan model. ICHRA was designed specifically for businesses like yours.
“Stop gambling on group insurance renewals. With ICHRA, you decide what you spend — and your team gets the coverage they actually want.”
The Game Plan
From “How Does This Work?”
to Covered — In 4 Steps
We check if you qualify
Fill out our quick 2-minute form. We review your team size, current benefits situation, and goals. Most small businesses qualify immediately.
You set your monthly allowance
You decide exactly how much to reimburse each employee per month — by class if you'd like (full-time vs. part-time, different locations, etc.). You are 100% in control of costs.
Employees choose their own plan
Your team shops ACA marketplace plans in their area. They pick the coverage, the network, the deductible that works for their family. No one-size-fits-all.
We connect you to Archi to run it all
Archi's platform handles the compliance, the reimbursements, the documentation — everything. You stay focused on your business. We make the intro.
Visit Archi →Average cost savings vs. group plans
Employee satisfaction with plan choice
Team size — ICHRA works for any business
IRS officially established ICHRA
Real Results
Business Owners Who Made the Switch
“We were paying $6,400 a month for a group plan half my team didn't use. Switched to ICHRA and cut our costs by 40%. My employees actually like their coverage now.”
Marcus T.
Owner, 14-person landscaping company
“I thought offering benefits meant I had to deal with brokers and renewals forever. JM showed me there was a completely different way. Setup was easier than I expected.”
Diana R.
Founder, boutique marketing agency
“The flexibility is what got me. My team is spread across three states. With a group plan that was a nightmare. With ICHRA, each person just picks what works in their state.”
Kevin S.
CEO, regional staffing firm
The ICHRA framework is backed by
Your Guide
Meet JM Ryerson
JM Ryerson has spent years helping small business owners stop playing defense and start winning — in their businesses and their lives. As a licensed insurance broker and business coach, he bridges the gap between confusing financial tools and the real people trying to build something great.
When ICHRA became available to small businesses, JM saw it for what it was: a genuine win for the underdog. He built Winning Coverage to make sure small business owners could access the same benefits flexibility that big corporations have always enjoyed — without the big-corporation price tag.
“Small businesses are the backbone of this country. You deserve the same winning tools the big guys have. ICHRA is one of them — and I'm here to make sure you know about it.”
Take The First Step
See If Your Business Qualifies for ICHRA
Fill out the form and JM's team will personally review your situation. No sales pressure. No commitment. Just a clear picture of what's possible for your business.
We review your answers (usually same day)
JM's team calls to walk through your fit
Your information is private and secure. We never sell your data.