Choose Your Own Health Plan Adventure
Explore ICHRA: Group Sponsored, ACA Compliant Coverage That Works for Remote Employees and Offers an Average of 50 Plan Options.
You Set the Budget
ICHRA stands for "Individual Coverage Healthcare Reimbursement Arrangement." It was made possible by a rule signed into federal law effective Jan 1, 2020.
With ICHRA, you set a defined, fixed amount (like $500 per month) to pay an employee's health insurance premium.
No Participation Requirements
Many insurers require 70% or even more of your population to enroll in coverage. But there are two opt out groups. People who get coverage from a spouse and those who are still on their parent's plan (26 yo or younger).
ICHRA works if even just one person enrolls in your offer of coverage.
Set Class Contributions
With ICHRA you can set a fixed contribution by different classes, locations, and ages. A popular strategy is the "glide path" where you turn off new hire enrollments into the group plan and start savings immediately for new hires offered an ICHRA.
- Salary v hourly
- Full time v part time
- New hire v grandfathered employees
Pay Zero Taxes
As an employer, with ICHRA, you pay no taxes. This works especially well if you've offered a stipend. Save 7.65% on FICA payroll taxes. And, an ICHRA is tax deductible as a business expense.
Better? Employees also pay zero taxes.
Portability
When your people leave employment they take their individual policy with them. It helps them for continuity of care and reducing worry while it saves you admin time.
Maximum Employee Choice
HR Managers no longer have to pick a carrier and plan that works for everyone. Employees choose from dozen of options. Guaranteed to find one that has their doctor and hospital in network.
Kaleigh
Bronze Plan- HSA Compatible
Kaleigh was just hired as a server. As a new hire she gets an ICHRA allowance of $550. She picks a bronze plan that costs $450 and gets $100 deposited into her HSA. She's healthy now. Down the road knows she wants to start a family. Her savings will help with the high cost of childbirth.
Julian
Silver Plan- Low Copays
Julian is an emerging leader and was just promoted to Lead Brewer. He's managing a chronic condition that requires office visits every 6-8 weeks. Julian picks a silver plan with $20 copays. This way he never has to take money out of his family budget for healthcare.
Scott
Gold Plan- Big Network
Scott's the head of finance. He prefers a traditional network with lots of choice and a low out of pocket maximum. Scott chooses a gold plan, $50 more than his ICHRA allowance, but gets the $50 deducted from his paycheck tax free through a cafeteria plan.
Increase Team Availability
When someone's out sick or needs to care for a family member, your team feels the shift vacancy.
AI Driven Care
Unlimited, free, 24/7/365 access to an AI doctor.
AI routes people to the right place (self-care, virtual, in-person, ER) and resolves issues faster.
This can reduce your insurance premiums and improve operational efficiency.
Direct Primary Care
DPC is a new way for people to subscribe to unlimited in-person care for a flat monthly fee.
Not everyone needs it. It's best for chronic health conditions such as thyroid or hypertension.
It's also subject to local availability.
Leverage the Power of HSAs
Rules in effect for 2026 have expanded eligiblity and usage of Health Savings Accounts.
✅ All marketplace Bronze Plans automatically HSA compatible
✅ Virtual Care and Direct Primary Care allowed with HSA funds
✅ Use HSA funds for medical expenses not covered by insurance (OTC meds, orthodonia)
About Us
Challenging the broker status quo since 2025
Brian Klem, Founder of Shift Benefits
Hood River, Oregon
Brian brings 20 years of healthcare experience to you. Not time at an insurer or brokerage- but instead at the world's most inconic companies including Pfizer, Dexcom, ZoomCare, and the Virgin group.
2025 saw the launch of Shift- and a promise to upend the broker status quo to deliver real savings and better benefits to companies. And that happened with six initial clients.
Indian Creek Golf Course in Hood River, OR saw a 26% decrease in their renewal with added employee choice.
Brian's an expert in ICHRA, Self-insurance, and AI driven healthcare.
