Modernize your benefits with Liferaft
You can save on costs and increase plan flexibility, without sacrificing quality.
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WHITEPAPER OVERVIEW

What this whitepaper includes
1
The Most Significant Rate Change Requests
One significant regulatory challenge impacting the adoption of ICHRAs is the restriction against offering both ICHRA and group health plans to the same class of employees. You can’t give employees in the same class a choice between participating in your traditional group health plan or your ICHRA benefit.
2
Implications for Employers
Suppose the rate changes in your carrier or state are lower than the increases in your group plan rates for 2024. In that case, it might be an opportune time to consider an ICHRA for your company. ICHRA offers a promising solution for employers to potentially reduce healthcare costs. It allows employers to reimburse employees for individual health insurance premiums and other qualified health expenses.
3
State-by-State Analysis
We'll delve into a detailed examination of state-rate changes, highlighting key trends, notable exceptions, and the impact on consumers.
4
Leveraging ICHRAs and QSEHRAs
For those in states where the individual market is particularly competitive, or if your preferred carrier’s individual rates are more favorable than your current group plan, there’s an opportunity to leverage these rates through HRAs, such as ICHRA and QSEHRA. These products can allow you to take advantage of lower individual market rates while providing flexibility and cost savings.
About
At Liferaft, we understand that surprise medical events are a part of life and costly, but we believe that these events shouldn’t lead to financial hardship. 

With a Liferaft Health Reimbursement Arrangement, we focus on helping businesses provide comprehensive and flexible health coverage for their employees at a cost-effective price point. Our platform also offers a suite of supplemental products, making these unpredictable events more affordable for everyone.
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WANT MORE?

Download Liferaft's 2025 Individual Carrier Rate Change Requests By State

Liferaft's 2025 Individual Carrier Rate Change Requests By State gives brokers a comprehensive analysis of the 2025 individual health insurance rate change requests by carrier and state, highlighting variations and trends across the nation.
You will automatically be redirected to your whitepaper download after submission.
What you get in your guide:
The Most Significant Rate Change Requests  |  Implications for Employers  |  State-by-State Analysis  |  Conclusions

HOW IT WORKS

Empower your employees
1
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.
2
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.
3
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)
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