Resources
ICHRA and health benefits, in plain English.
Guides for small business owners, franchise owners and employees — what ICHRA (now also called a CHOICE Arrangement) is, how it compares, and the rules that apply.
Start with a guide
- How an ICHRA worksThe complete guide to ICHRA and CHOICE Arrangements.
- ICHRA for small businessesAllowances, classes and the setup timeline.
- ICHRA for franchisesFranchisor, franchisee and employee — how it fits.
- For employeesWhat an ICHRA means if your employer offers one.
- Small business health insuranceSix options for small employers, compared.
- Franchise health insuranceBenefit options for franchise locations, compared.
Understand it
- CHOICE ArrangementICHRA is now called a CHOICE Arrangement. Here’s what changed — and what didn’t.The SBA and CMS gave ICHRA a new name in September 2026. The rules didn’t change — here’s what that means for you.4 min read
- Pros and consICHRA pros and cons: an honest lookThe real advantages, the real drawbacks, and what you can do about each one.5 min read
Compare your options
- ComparisonICHRA vs group health insurance: where each one winsCost control, plan choice, networks and paperwork compared — including the cases where a group plan is the better choice.6 min read
- ComparisonICHRA vs QSEHRA: which HRA fits a small business?Two kinds of HRA, both built for individual coverage. The differences in caps, classes and subsidies decide which fits.5 min read
Rules and requirements
- EligibilityICHRA eligibility: which employers and employees qualifyAny employer can offer one — but owners, contractors and people without individual coverage are where eligibility gets specific.5 min read
- Contribution rulesHow much can an employer contribute to an ICHRA?No cap, but real rules: classes, age variation up to 3:1, class-size minimums and — at 50+ employees — affordability.6 min read
- Employer requirementsICHRA employer requirements: the complete checklistPlan documents, the 90-day notice, coverage checks, opt-out and the federal filings that may apply — as a checklist.6 min read
Business insurance for franchises
Rikor focuses on employee health benefits. For general liability, workers' compensation and the other cover franchise agreements usually require, see our partner Protect My Franchise.
See what it would cost you.
Answer a few questions about your team and see real individual plan prices in your area, with your contribution applied. No account needed.