Claim:  The burden of finding the right health care plan would also be entirely borne by workers with no support from their employers.


 Fact:  Many companies, including members of the HRA Council, are creating apps and structures that help employees utilize ICHRAs and QSEHRAs to enroll in the coverage best suited for them. In addition, professional brokers are available throughout  the United States  to assist employees in finding and selecting the right plan. These free services from an independent broker are a widely used resource. Remember: a defined contribution structure for health insurance is like popular 401(k) and 403(b) plans for retirement savings; employers provide a set amount of funds, with employees having more control over their investment selection.