ICHRA - HRA Plan
ICHRA - HRA Plan - Image 2

ICHRA – HRA Plan

$425.00

Health Reimbursement Arrangements (HRAs) are experiencing a strong resurgence as a preferred benefits strategy, offering greater flexibility, choice, and cost control for both churcches and employees. This shift was accelerated with the introduction of the Individual Coverage HRA (ICHRA)—a modernized plan model announced in June 2019 that transformed how churches can provide health benefits.

The ICHRA represents one of the most flexible and cost-effective options available in church-sponsored healthcare today. Instead of being tied to a traditional group health insurance plan, churches can now reimburse employees tax-free for individual health insurance coverage and qualified medical expenses. This approach empowers employees to select the coverage that best fits their personal needs, while giving employers predictable and controllable benefit costs.

What Happens Next?

Getting started is simple and guided every step of the way:

Step 1: Complete the Enrollment Form
Provide your information so we can understand your needs and design the right plan structure for you.

Step 2: Plan Review by a Benefits Advisor
A knowledgeable advisor will carefully review your submission to ensure everything is complete and compliant.

Step 3: Receive Your Customized Plan Package
Once approved, we will prepare and deliver all necessary documentation, including:

  • Official Plan Document
  • Summary Plan Description (SPD)
  • Required forms and compliance materials
  • Clear, easy-to-follow setup and signing instructions
    Do You Need Ongoing HRA Plan Support?

    Click here to enroll

    Maintaining an HRA plan requires more than just setup—it requires ongoing attention to compliance, documentation, and administration. Our annual HRA support services ensure your plan stays current, compliant, and running smoothly. From required updates and employee documentation to guidance on reimbursements and IRS regulations, we provide year-round expertise so you can focus on your mission with confidence.

     

    Options

    Type of HRA Plan *

    Effective Date: *

    Waiting Period *

    Benefit Limits *

    Choose your Benefits *

    Will premium reimbursement be the same for all ages? *

    Will your ICHRA offer different Benefits by Employee Class? *

    Carryover of Unused Funds: *

    Description

    HRA Plan Includes:

    Resolution to Adopt a Plan
    This document includes formal meeting minutes that record the church’s decision to establish and adopt the HRA as an official employee benefit. It serves as an important compliance record demonstrating that the plan was properly authorized.

    Customized Plan Document
    Each HRA Plan Document is individually prepared and tailored to your church’s specific structure and needs. This document outlines the rules, benefits, and terms of the plan and is maintained on file for compliance purposes, including potential IRS or regulatory review.

    HRA Summary Plan Description (SPD)
    The SPD is a user-friendly guide designed for employees. It clearly explains key aspects of the plan, including its purpose, eligibility requirements, and enrollment process. It also contains all federally required disclosures, such as:

    • Plan year start and end dates
    • Employer identification (Federal ID number)
    • Designated agent for legal service of process
    • Information related to COBRA, FMLA, and Department of Labor (DOL) requirements

    Election and Claim Forms
    These personalized forms are customized for your church and include:

    • An Election Agreement for employees to formally participate in the plan
    • A Claim Form for submitting eligible medical expenses for reimbursement
      These documents streamline the reimbursement process and help ensure proper recordkeeping.

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