Save 10-50% on Monthly Premiums
Explore ICHRA: Group Sponsored, ACA Compliant Coverage That Uses the Often Cheaper Individual Market
You Set the Budget
ICHRA stands for "Individual Coverage Healthcare Reimbursement Arrangement." It was made possible by a rule signed into federal law effective Jan 1, 2020.
With ICHRA, you set a defined, fixed amount (like $500 per month) to pay an employee's health insurance premium.
No Participation Requirements
Many insurers require 70% or even more of your population to enroll in coverage. But some people have medicaid. Others get coverage from a spouse. And still others decline coverage if the cost sharing is too high.
ICHRA works if even just one person enrolls in your offer of coverage.
Pay Zero Taxes
As an employer, with ICHRA, you pay no taxes. This works especially well if you've offered a stipend. Save 7.65% on FICA payroll taxes. And, an ICHRA is tax deductible as a business expense.
Better? Employees also pay zero taxes.
Portable
When someone leaves, they take their individual policy with them. You simply stop the reimbursement.
It makes administration easier and people "see" the true value of what you had been providing.
Maximum Employee Choice
HR Managers no longer have to pick a carrier and plan that works for everyone. Employees choose from dozen of options. Guaranteed to find one that has their doctor and hospital in network.
Kaleigh
Bronze Plan- HSA Compatible
Kaleigh is your amazing social media manager and an Instagram pro. She's thinking of having a baby and knows how expensive it is. She's smart to pick an HSA plan and start investing funds now so childbirth doesn't take her whole paycheck down the road.
Jose
Silver Plan- Low Copays
Jose runs golf course maintenance. He's getting older and has put off care. And now has a toddler. He picks a silver plan for low office copays so he doesn't have to decide between care and housing expenses.
Scott
Gold Plan- Big Network
Scott's your CFO and a traditional kind of person. He wants a big provider network with low, predictable copays. Scott decides to "buy up" to the richest plan. He pays the difference between the premium and ICHRA allowance through a tax free section 125 plan with payroll deduction.
Radical Access to Care
We believe in returning insurance to what it was intended for. Protecting against big, unknown, uncertain conditions such as cancer, trauma, and neurological.
The out of pocket max is what we pay attention to in plan design.
Then, we layer in AI first care and direct primary care for everyday and chronic health needs.
AI First Care
Medical grade AI models are entering and sit in between "Dr. Google" and the clinic.
They absorb our health records to provide ultra personalized guidance.
AI routes people to the right place (self-care, virtual, in-person, ER) and resolves issues faster.
This reduces your insurance premiums and gets your people back to work faster.
Direct Primary Care
DPC is a new way for people to subscribe to unlimited in-person care for a flat monthly fee.
Not everyone needs it. It's best for chronic health conditions such as thyroid or hypertension.
It's also subject to local availability.
Leverage the Power of HSAs
Rules in effect for 2026 have expanded eligiblity and usage of Health Savings Accounts.
✅ All marketplace Bronze Plans automatically HSA compatible
✅ Virtual Care and Direct Primary Care allowed with HSA funds
✅ Use HSA funds for medical expenses not covered by insurance (OTC meds, orthodonia)
Case Study
Indian Creek Golf Course Saves 26%
Shifting to an ICHRA
Located in Hood River between two volcanos, Indian Creek operates an 18 hole course with a local's favorite restaurant, Divots.
They faced an 11% increase from a hospital based health plan.
GM Tyson Jacobs saw the opportunity. He no longer had to find a health plan that worked for all employees and deal with admin hassles. He set a benchmark rate that saved 26% and then gave employees the choice of 5 insurance carriers making up a total of 44 plans.
Tyson used savings to reinvest back into the business.
About Us
Challenging the broker status quo since 2025
Brian Klem, Founder of Shift Benefits
Hood River, Oregon
Brian brings 20 years of healthcare experience to you. Not time at an insurer or brokerage- but instead at the world's most inconic companies including Pfizer, Dexcom, ZoomCare, and the Virgin group.
2025 saw the launch of Shift- and a promise to upend the broker status quo to deliver real savings and better benefits to companies. And that happened with six initial clients.
Brian's an expert in ICHRA, Self-insurance, and AI driven healthcare.
