Mid-Year Health Benefits Review for Katy Small Businesses (the ICHRA Option)

Signs your group plan needs a look

• Renewal increases have outpaced revenue two years running
• Employees complain about the network — especially around Houston Methodist West and Memorial Hermann Katy
• You're contributing more every year and participation keeps dropping
• You have employees spread across Harris, Fort Bend and Waller counties with different plan needs

The ICHRA alternative

An Individual Coverage HRA lets your business set a fixed monthly allowance; each employee buys the individual plan that fits their own doctors, prescriptions and budget. Your cost becomes predictable, and employees in different counties each get a plan that actually works where they live.

Can you switch mid-year?

Often, yes. Dropping a group plan creates a Special Enrollment Period for your employees, and ICHRAs can start any month. The key is sequencing it correctly so no one has a coverage gap — that's exactly what we manage.

What a review costs

Nothing. We compare your current group plan against other carriers and an ICHRA model, using your actual census. If staying put is the right answer, we'll tell you that too.