ICHRA Broker in Utah

ICHRA plans for Utah employers, explained by brokers who compare them against traditional group coverage before recommending either one.

CALL 801-901-7800 SCHEDULE ONLINE

ICHRA Broker in Utah

ICHRA plans for Utah employers, explained by brokers who compare them against traditional group coverage before recommending either one.

CALL 801-901-7800 SCHEDULE ONLINE

What Is an ICHRA?

Individual Coverage Health Reimbursement Arrangement, or ICHRA for short, works differently than a typical group health plan. Instead of choosing one plan for your whole team, you set a fixed monthly amount per employee. They use it to buy their own individual health plan, off the ACA exchange. Reimbursements are tax-free for employees and tax-deductible for you, so the arrangement keeps the tax treatment people expect from employer-sponsored coverage.

It functions more like a healthcare stipend than a traditional plan. Employees choose what fits them: a high deductible plan, something more comprehensive, whatever makes sense for their situation. The decision sits with them, not with HR.

Why Utah Small Businesses Consider It

Utah has one of the stronger group health markets in the country. For a lot of local employers, a traditional group plan still beats an ICHRA on value, and that’s worth saying upfront.

That said, the math has shifted. The COVID-era premium subsidy expansion expired in January 2026, and employees who lost that extra help are now looking at full-price marketplace coverage. Millions of people have dropped off the ACA marketplace nationally this year, many without telling their employer. An ICHRA gives a small employer a way to step in without waiting for open enrollment or committing to a full group plan overnight. It also fits businesses that struggle to meet group participation minimums, or teams spread across more than one state.

Hospitality

How ICHRA Works

We start with a census, basic information on your team, and run quotes both directions: group and ICHRA. That comparison is what tells us which structure actually fits, not a guess.

If ICHRA comes out ahead, we bring in a third-party administrator. For Utah-only teams, that’s often PeopleKeep. For multi-state businesses, we typically use Remodel Health, licensed in all 50 states, so enrollment stays off exchange. Employees then shop for a plan on the administrator’s platform and submit for reimbursement up to the amount you’ve set. You decide the dollar figure, they decide the plan.

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Who It Fits Best

Chef

Restaurants, hotels, and similar businesses that regularly struggle to meet group plan participation requirements

Team spread over Utah

Employers with teams spread across Utah and other states

Limit cost

Businesses that want to cap their monthly cost at a flat dollar amount, no matter what premiums do

Don't have to wait

Employers who want to help employees who recently lost subsidized coverage, without waiting for open enrollment

Ready To Get Started?

Let’s schedule an appointment or jump on a call.

CALL 801-901-7800 SCHEDULE ONLINE

Frequently Asked Questions (FAQs)

A: Maybe. It depends on your group’s size, your employees’ ages and income, and whether they’d otherwise qualify for a marketplace subsidy. We run the group and ICHRA numbers side by side before recommending either one.

A: Not usually, at least not by default. Utah’s group market is strong enough that most local employers still come out ahead with a traditional plan. ICHRA tends to fit specific situations better: multi-state teams, high turnover industries, or businesses that can’t hit group participation minimums.

A: QSEHRA is smaller in scale and lets employees keep any ACA premium tax credit they qualify for, which a full ICHRA doesn’t allow. It’s often a better fit for very small employers who want to help without funding a full reimbursement amount.

A:  We handle the insurance strategy: quotes, plan design, and coordinating with your administrator. For deeper compliance work, like payroll filings or ACA reporting, we bring in specialized partners and point you toward a CPA for tax-specific questions.

A: Send us a census of your team. We’ll run the numbers both ways, group and ICHRA, then sit down and walk through what makes sense for your business.

Call a Licensed Insurance Agent: (801) 901-7800 TTY: 711

By calling this number, you will be directed to a Licensed Insurance Agent.

Hours of Operation: Monday – Friday, 9:00 AM – 5:00 PM MT

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Not affiliated with or endorsed by the government or the federal Medicare program.

Ark Insurance Solutions is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each organization has a Medicare contract. Enrollment depends on contract renewal.

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Ark Insurance Solutions
655 East 4500 South, Ste 210
Salt Lake City, UT 84107

Phone: 801-901-7800
Fax: 801-305-4947
Email: info@ark-ins.com