Is there a minimum contribution for ICHRA?

There’s no official minimum — employers can contribute any amount.

That said, the amount you offer has a big impact on whether employees actually use the benefit.

Based on what we’ve seen:

• Contributions below $150 tend to result in very low participation

• Around $500/month, participation increases significantly

  
  

Because of this, Gallagher ICHRA powered by StretchDollar sets a practical minimum of $150 to help ensure the benefit is meaningful.

In short: your small business clients can offer any amount — but offering enough to matter makes all the difference.