We’ve built the easiest and quickest way to quote the ICHRA for your business.

Forget waiting 14-21 days for quotes — you can get an ICHRA quote back in just a few business days.

Our team knows the ins and outs of the health insurance marketplace and will guide you towards solution that make the most sense for your business and your team.

We handle all individual enrollments and Advanced Premium Tax Credit (APTC) considerations.

Liferaft will run a cost-benefit analysis on your company's current healthcare spending and show you different ways you can save—without sacrificing plan quality.

With Liferaft, businesses are saving around $1,500/per year/per employee when they set up an ICHRA.

Based on your company's goals, Liferaft will design a unique plan for your employee's health insurance, including suggested plans and accounts, plan policy documents, and the annual budget.

Get a tailored ICHRA quote for your group.

Once you submit, we will start crunching the numbers!

Based on your group size, expect your ICHRA quote back in:

• 24 hours for <10 employees
• 2 business days for 10-100 employees
• 3 business days for 100+ employees

Get a tailored ICHRA quote for your group.

HOW WE HELP

We make it easy to offer an ICHRAs to your employees.

Submit your employee census

We will review your current spending and employee census, returning a quote within a few business days.

Our team will generate a custom report showing how much it would cost your business to start offering an ICHRA.

Design your package

Liferaft will work with you to craft the most affordable and ACA complaint plan, including your recommended employee classes and the recommended budget for your groups health insurance and optional benefits.

Our team will then meet with each individual employee and recommend plans based on their unique situation.

Set up your account

Liferaft’s technology makes setting up and managing a HRA easy.

Administering a Liferaft HRA account takes less than 5 minutes a month, allowing your client to focus on real HR issues.

Our customers love us.

The Liferaft team is incredibly friendly, communicative, and supportive.

The entire staff is very reliable. I've never had a situation where there was an issue I couldn't resolve.

— Johnny Lopez, Insurance Agent & Liferaft Client

I know I’ll get medical bills even though I have health insurance.
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Knowing my Liferaft policy pays me cash benefits means I have less to worry about.

— Bobby, Liferaft Client

Book your free consult

Modernize your benefits with Liferaft

You can save on costs and increase plan flexibility, without sacrificing quality.

Fill out your information below and our team will provide a free report on how your small business can save on your employee benefits with Liferaft.

Get your free analysis

Download your guide to get a jumpstart on saving.

Liferaft's Guide to HRAs is the most comprehensive guide available, giving you everything you need to determine if an health reimbursement arrangement makes sense for your business.

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GUIDE TO HRAs

Download your guide to get a jumpstart on saving

Liferaft's Guide to HRAs is the most comprehensive guide available, giving you everything you need to determine if an health reimbursement arrangement makes sense for your business.

What is a HRA?

Requirements & features

Eligible HRA expenses

When an HRA makes sense

Different HRA types

States Where HRAs Work Best

Download Now

HOW IT WORKS

Empower your employees

Employees select their healthcare plan

Your employees choose the healthcare and benefits package that works the best for their situation and region, benefiting from lower rates on your state's individual exchange.

Reimburse their costs tax-free

Your employees submit a request for their tax-free reimbursement in Liferaft's easy-to-use 100% digital portal. You decide what level you would like to reimburse.

Gain flexibility, without losing quality

Liferaft’s technology makes it easy to give your employees a choice in their healthcare, saving you time and money, while providing the same level of benefits.

Get the guide to your Individual Coverage HRA (ICHRA)