ichra.digital is an independent research publication. We track IRS regulation, ACA marketplace mechanics, and employer health benefit design — and translate it into plain English. No platform to sell. No commissions. No sales pitch.
Most of what employers find when they search for ICHRA information is written by ICHRA administrators — companies with a product to sell. PeopleKeep, Take Command Health, Remodel Health: they produce useful content, but their incentive structure is to get you onto their platform.
That's not a criticism. It's just a conflict of interest worth naming. There was no neutral, independent source for ICHRA information that covered the full picture: when ICHRA is the right move, when it isn't, how to evaluate administrators without a preferred answer, how affordability really works, what the IRS guidance actually says.
ichra.digital was built to fill that gap. We cover ICHRA the way a good journalist covers a policy beat: we follow the regulation, interview the numbers, and report what we find — regardless of who it benefits commercially.
Every factual claim traces to IRS notices, Federal Register publications, CMS final rules, or official state insurance department guidance. We don't cite vendor marketing as fact.
We accept no advertising, no sponsored content, no affiliate commissions, and no referral fees from ICHRA administrators, carriers, or any commercial entity in the benefits ecosystem.
When we get something wrong, we fix it and note the correction inline. Regulations change; we track changes and update articles within 48 hours of new guidance.
A significant share of ICHRA-eligible employees are Spanish-speaking. All core content is published in English and Spanish — not translated after the fact, written for both audiences from the start.
ichra.digital is produced by a small, specialized research desk. We don't cover general health insurance — only ICHRA and the regulatory environment that surrounds it. That focus is intentional: it keeps us current and keeps our analysis sharp.
Tracks IRS notices, CMS rulemaking, and ACA Marketplace data. Background in health insurance regulation and employer benefits compliance.
Translates regulatory language into content usable by HR managers and small business owners. Bilingual (EN/ES). Fact-checked against primary sources before publication.
Builds the calculators, affordability models, and scorecard methodologies. Sources: BLS wage data, CMS Public Use Files, state insurance department rate filings.
For our full editorial methodology — sources, update cadence, correction policy — see our Editorial Standards page.
Employers — Small and mid-sized business owners evaluating whether to replace their group plan with an ICHRA. They need honest analysis of when it works and when it doesn't, not a vendor's pitch deck.
Employees — Workers who received an ICHRA notice from their employer and have no idea what it means for their coverage, their taxes, or their Marketplace eligibility. We write for them too — in English and Spanish.
Benefits professionals — Brokers, HR consultants, and TPAs who advise on ICHRA adoption and need a reference that stays current with regulatory changes without selling them a platform.
Corrections, tips, research questions, or partnership inquiries. We read every message sent to the editorial desk.