Benefits that work for you
An ICHRA strategy enables you to regain control of your benefits budget, reduce administration, and provide employees with the power to choose the benefits that work best for them.
Rising health care costs are unsustainable. There’s a better model.
Traditional group plans lock employers into unpredictable annual increases — and every renewal cycle brings the same question: how much more can we absorb? Self-funded models shift the financial risk, but they come with fiduciary exposure that grows alongside your workforce. ICHRA shifts the model entirely: employers set a defined budget, employees choose the coverage that fits their specific health needs.
Predictable spend. Meaningful savings. Empowered Employees.
Predictable spend
Set your budget. No surprise renewals.
Meaningful savings
Employers consistently see significant cost reductions
Seamless experience
Administration built for groups, fit for individuals
Empowered employees
More plan options, decision support tools, pre-tax contributions
Compliance confidence
Nexben provides ACA-compliant programs backed by a team ready to support your needs
A phased approach means you don’t have to fully replace your current plan.
ICHRAs can complement your existing benefits while you expand your offerings.
Year 1
Year 2
Year 3
What happens
Pilot ICHRA in one region with others remaining on the traditional benefit offering
Add ancillary, expand ICHRA offering, more employees enroll
Majority of employees on ICHRA
Defined contribution enrolled
1,000
2,500
4,000
Group benefits
4,000
2,500
1,000
Result
Low-risk start
Growing adoption
Satisfaction up, admin time down, spend controlled
What our customers say
“I have researched many ICHRA platform companies and Nexben is second to none when it comes to being agent, employer, and employee friendly on all levels especially when the agent wants to retain their clients and service them as agent of record. The training and the one on one sessions are great and the responses to my questions have always been prompt.”
— Midwest Distribution Partner