How does onboarding work for employees?

Once the admin invites employees via their ICHRA Portal, they’ll receive an email with everything they need to get started—an overview of how ICHRA works, tips for choosing a plan, and options to get help if needed.

The onboarding process is simple and only takes three steps:

1) Add a bank account

Employees add the bank account where they’d like to receive reimbursements. Funds are sent via ACH directly from the company’s bank account to the employee’s bank account—not through payroll.

2) Choose a health plan

Each employee selects a plan that works best for them. Their ICHRA Benefits Portal includes links to the individual marketplace (with both on- and off-exchange options), along with the option to connect with a licensed broker from Gallagher for support.

3) Set up auto-reimbursements

After enrolling in a plan and making their first payment, employees submit an auto-reimbursement request through the ICHRA Portal. Once approved by the admin, reimbursements are automatically issued on the 1st of each month for the remainder of the plan year.