How to Set Up Your ICHRA Plan

Learn what to confirm when setting up your ICHRA plan, including the effective date, eligibility rules, employee classes, and allowance structure.

Sep 7, 2026

Before your ICHRA can launch, confirm the key elements of your plan design:

  • Effective date

  • Eligibility rules

  • Employee classes

  • Allowance structure

  • Affordability approach, if your organization is an applicable large employer

Federal rules determine which factors may be used when structuring ICHRA classes and allowances. The employer chooses the plan design within those rules and remains responsible for approving the final configuration.

Before enrollment opens, review the employee class assignment and allowance amount shown for each employee.

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