Claim:  The ICHRA system allows workers to be divided into classes by their employers, with some receiving traditional job-based coverage and others pushed out into the individual market. 


 Fact:  ICHRA rules contain flexibilities that enable larger firms to offer ICHRAs to part-time workers, hourly workers, and workers in geographic locations where the individual market is more robust. The creation of classes is a way for employers to expand coverage and create compensation packages that are better for employees based on job function, location, and numerous other factors.

ICHRAs are projected to increase people with health insurance by nearly one million, so they will extend coverage to many workers who currently do not have access to a plan. Employees offered an ICHRA or QSEHRA will use it to purchase an ACA plan in the individual market.