Taxable Cash Stipends Are Lighting Money on Fire
48% of small employers currently give informal cash bonuses for healthcare. The IRS takes nearly a third of it. An ICHRA reimbursement makes that same money 100% tax-free.
Switching to ICHRA is an immediate ~30% "raise" for the employee at zero cost to the employer.
Capping Employer Risk with Fixed Budgets
Traditional Group Plan premiums are skyrocketing due to the subsidy cliff anti-selection spiral. ICHRA allows employers to freeze their budget forever while employees choose their own coverage.
Employers move from unpredictable variable costs to a predictable fixed line item. No more annual renewal anxiety.
The 50 Million Person Gap
Who is eligible for this? The massive forgotten workforce: Freelancers, part-timers, and small business employees who are currently buying their own plans with post-tax dollars.
98% of the eligible market is still paying unnecessary taxes because they think they need an HR department to fix it. Gimble removes the HR department.