Put your benefits to work.
Keep costs in check, give employees real choice, and get more from your benefits budget.
Rethink group plans
Traditional group plans are built for everyone and end up fitting almost no one. Orchard helps employers find alternatives that may work better. ICHRA is a newer way to offer flexible, affordable health benefits that adapt to your company and your team.
ICHRA
- True controlLower, more predictable spending and real cost control.
- Cost savingsCosts can fall by up to 30% per employee per year.³
- Capped costsEmployers set the monthly allowance up front and avoid sharp renewal increases.
- Employee loyaltyCoverage that fits what employees actually need supports long-term retention.
Traditional group plans
- Budget chaosRising costs and unpredictable renewals.
- Financial drainThe average total premium for family coverage has climbed to $26,993¹, and costs are rising about 11% a year.²
- Employer riskRunning a health plan and everything that comes with it.
- Employee letdownEmployers must choose two or three plans that do not suit everyone.
94%
of U.S. workers prefer having more insurance options⁴
65%
of employees want personalized benefit recommendations⁵
92%
of employers who chose ICHRA in 2024 kept it for 2025⁶
A better way to offer benefits
ICHRA does a lot for your business and your team. Orchard provides the smooth experience you need to make the move to ICHRA.
Your budget, your terms.
Orchard helps employers move away from group plans that drain budgets and toward ICHRA plans that fit them, so you keep control without giving up care or coverage quality.
Benefits without the hassle.
Orchard walks employees through shopping, comparing, enrolling and paying in a single flow, so your team is covered and you can get back to business.
Everyone benefits.
Orchard tools personalize benefits for each employee across states, life stages and health needs, so everyone gets what they need to do their best work.
See Orchard in action
A clearer view of benefits today
Get the big picture on benefits so you can decide with confidence for your business and your team.
ICHRA, explained
Learn how ICHRA works, why employers are making the switch, and what it could mean for your team.
Everything to know about the ACA
The Affordable Care Act shapes how individual health insurance works. Here is what to know and why it matters for ICHRA.
Ready to start? We’re here to help.
Frequently asked questions
Why are employers moving from traditional group health plans to ICHRA?
Traditional group health plans leave employers facing unpredictable renewal increases, rising per-employee costs and little control over long-term healthcare spending. The total family premium for standard group coverage now runs as high as $26,9931 a year, and premiums climb about 11%2 annually because of claims history and market inflation, however the business is doing.
ICHRA (Individual Coverage Health Reimbursement Arrangement) takes a different approach. Instead of sponsoring a group plan, the employer sets a fixed monthly contribution, and employees use it to buy their own health insurance.
The payoff: costs become predictable and flexibility improves, so employers avoid the volatility built into traditional group plans.
How does Orchard help employees choose better coverage under ICHRA?
Orchard tools narrow the options down to a few best-fit choices and show the true annual cost, not just the premium. Employees decide consistently and with good information, and every benefits dollar works harder.
Does Orchard replace our broker or benefits partners?
No. Orchard works alongside brokers, who advise employers and keep them compliant. A clear, self-guided employee experience removes repetitive questions, so brokers spend less time on admin and more on the guidance that matters.