Lirvion helps small businesses offer ICHRA benefits with predictable monthly allowances, individual plan choice, and administration support in one connected platform.
Estimated Annual Savings
$2,600
This is an estimate of potential annual tax savings from using ICHRA instead of raising salaries to cover a group health plan. Actual savings may vary based on your specific workforce and contribution levels.
Why this number?* Estimate only. Based on a 12% employer payroll tax rate, a 22% employee income tax rate, and Lirvion's standard platform fee.
Traditional group health insurance often works better for larger companies than small teams. For many small businesses, renewals are unpredictable, plan choice is limited, and administration takes too much time.
Feature | ICHRA via | Traditional group health insurance |
|---|---|---|
Employer Size |  Predictable. Employer sets a fixed monthly budget per employee class. |  Volatile. Subject to unpredictable annual premium rate hikes. |
Employee Choice | Unlimited. Employees choose any ACA-compliant plan on the individual market. | Restricted. Employees must choose from 1–3 plans selected by the employer. |
Participation Minimums | None. Employers are not penalized if employees waive coverage. | Strict. Typically requires 70–75% employee participation to remain valid. |
Network Portability | Portable. Employees own the policy and can keep it if they change jobs. | Tied to employer. Employees lose coverage if they leave (unless they use COBRA). |
Administrative Burden | Light. No carrier negotiations or renewals; easily managed via software. | Heavy. Requires annual shopping, carrier negotiations, and complex renewals. |
You shouldn’t need a big-company benefits budget to give employees meaningful health coverage options. CHOICE Arrangement (ICHRA) gives small employers another way to structure health benefits — with defined allowances, individual plan choice, and an approach that can be built around the business instead of forcing the business around a group plan.
Build the benefit around your business.
Not your business around the benefit.
Setting up a traditional group plan can mean broker meetings, carrier back-and-forth, and paperwork. Lirvion helps employers move faster with a connected workflow for allowance, design, employee setup, enrollment support, and administration.
With ICHRA, you decide how much your business contributes each month. Instead of waiting for a group renewal increase, you set a defined monthly allowance that keeps employer benefit spending easier to plan.
Stop guessing which plan works for everyone. With ICHRA, employees can use their employer-funded allowance to shop for individual health coverage that fits their household, location, doctors, prescriptions, and budget.
Managing an ICHRA should not mean chasing spreadsheets, notices, premium payment records and employee records across disconnected systems.
Lirvion helps employers organize the core administrative workflows needed to run an ICHRA program - including employee records, allowance tracking, premium payment status, notices, reporting, and compliance documentation.
Small businesses may not always be required to offer health benefits - but when they do, the program still needs to be structured correctly.
Lirvion helps employers organize the core compliance workflows behind an ICHRA program, including employee classes, notices, coverage verification, premium payment tracking and employer records.
Employee class design
Structure allowances around eligible employee classes and contribution rules
Notice and documentation workflows
Keep employee notices, coverage records, and premium payment documentation organized
Record-keeping support
Track allowance, premium payment, opt-out, and coverage-related information in one connected platform
Tell us about your team, and we'll help you explore an ICHRA strategy built around your budget, workforce, and administration needs.
