Give your team a real way to choose their own health coverage, while you stay in control of what you spend.
No account needed to get a number. Takes about two minutes.
You are never billed more than you budget. Unused allowance is simply not spent.
Example dashboard. Figures are illustrative.
Most benefits products ask you to become a benefits expert first. This one asks you for a number.
Pick a monthly amount per employee. That number is your ceiling — you are never billed more than you chose.
Everyone gets an invite and picks their own plan, with their own doctors. Your allowance comes off the price.
Plan documents, the notices federal rules require, enrollment help, and tracking who is actually covered.
A single company plan makes one family's trade-off into everyone's. Here, three people on the same $400 allowance each pick what actually fits.
Covers her husband and two kids. Wants to keep her pediatrician.
Just himself. Healthy, rarely goes, wants the lowest monthly cost.
The plan costs less than the allowance, so $90 simply goes unspent — an ICHRA reimburses a premium and can't be taken as cash.
Manages a condition with a specialist she is not willing to change.
They don't have to pick the same plan. Each policy belongs to the employee, not to you — which means their doctors stay their doctors, and their coverage goes with them if they ever leave.
You have a business to run. Two things are yours; the rest is ours.
One number, per employee, per month. Change it at renewal if you want to.
Upload a roster or type it in. Let us know when someone joins or leaves.
Documents, notices, enrollment support, compliance tracking, and the member help line.
Setup takes about fifteen minutes and saves as you go. Nothing is final until you review and sign your plan documents, so you can walk the whole thing and stop if it isn't right.
Corporate wants every location to have something to offer. Owners want to control their own costs. Those two things usually fight each other. Here they don't.
Makes the program available across the system
No payroll, no plans, no paperwork at corporate
Sets their own monthly contribution
Each location decides independently
Picks the plan that fits their family
Their policy, their doctors, portable if they leave
Plan documents, the employee notices federal rules require, enrollment support, and tracking who is actually covered — for every location, without corporate administering any of it.
An ICHRA is a real employee benefit plan with real federal obligations. Most of the work is paperwork nobody wants to think about — which is exactly why we do it.
A plan document and summary plan description are generated for your business, with your dates and your contribution, ready for you to review and e-sign.
Federal rules require employees be told about the offer before the plan year starts. That notice goes out automatically and we track who acknowledged it.
Whether your contribution clears the federal affordability test is a question with a real answer. The dashboard will tell you, per employee, on demand.
Employees get help finding a doctor, understanding a bill, and fixing a claim that went wrong — so those questions never land on your desk.
The mechanism behind all of this is an Individual Coverage HRA — a federal arrangement that lets you reimburse individual health premiums tax-free instead of buying a group plan. Read how ICHRA works if you want the detail. You don't need it to use Rikor.
Answer a few questions about your team and see real plan prices in your area, with your contribution applied. No account, no card, no call.
Rikor costs $30 per enrolled employee per month, and only for people who actually take coverage.