Make every benefit dollar count
Fund an ICHRA and give employees tax-free dollars to buy their own plan instead of one group plan. Model your contribution against real marketplace prices and see who gets affordable coverage. Every employee gets Covera year-round: a plan they text for, real cost estimates, a bill auditor, and an annual re-check.
Ask the benefits desk out loud.
HR can just talk to it. It consults the concierge on an employee's behalf to show what they'd really pay on the marketplace, net of the subsidy they'd qualify for.
Employer benefits desk. Ask me what your team would pay on the marketplace, or how an ICHRA compares. Tap the mic and talk.
Monthly ICHRA contribution
$400/employee/mo
Your workforce
Enter headcount and average salary per age band. Premiums are real lowest-cost plans for TX.
Employer cost / year
$0
Workforce with affordable coverage
0%
Avg employee premium
$0/mo
Employees modeled
0
Compare to your group plan
What you pay per employee per month for group coverage today.
Affordability uses the ACA threshold (10% of income) against the second-lowest silver plan. Premiums from CMS PY2026 Public Use Files; headcounts and salaries are your inputs.