Budget you can predict.
Set your monthly allowance. Avoid surprise renewals and big rate swings.
Flexible Health Benefits • For North Carolina Employers
Smart ICHRA employer solutions with predictable healthcare budgets
Allowing businesses to take control of their healthcare costs and giving employees the ability to choose
Bartley Insurance Services helps North Carolina employers use Individual Coverage HRAs with confidence and personal support.
What is ICHRA?
A modern way to fund health benefits.
ICHRA stands for Individual Coverage Health Reimbursement Arrangement.
Instead of paying for one group plan, you set a monthly, tax-free allowance.
Your employees choose their own individual health coverage that fits their families.
You stay in control of the budget while meeting ACA rules for applicable large employers.
Tax-free reimbursements
Employees own their policies
Bartley Insurance walks you through every step, from plan design to ongoing support.
Why employers love ICHRA
Benefits of Individual Coverage HRAs.
Designed for growing teams, remote workers, and budgets that need predictability.
ACA compliance support.
Meet large-employer mandates with documentation and guidance from our team.
Better fit for your people.
Full-time, part-time, seasonal, or remote employees can all find plans that match their lives.
How it works
A simple four-step process.
We keep the setup light so you can stay focused on running your business.
- 1
Design your allowance.
Choose who is eligible and how much each employee class can be reimbursed monthly.
- 2
Employees pick coverage.
Team members buy individual plans that match their health, family, and network needs.
- 3
They submit proof.
Employees send in eligible premiums and expenses based on your plan rules.
- 4
You reimburse tax-free.
Within the allowance, you reimburse approved claims. Bartley helps you stay organized.
Fits hybrid and remote teams.
Employees can live anywhere in approved rating areas and still participate.
Bartley by your side.
We coordinate with your payroll, compliance partners, and staff questions.
Challenges we help solve
When traditional group plans stop working.
Many North Carolina employers tell us the same story.
- Health insurance costs climb faster than their revenue.
- One-size-fits-all plans no longer serve a mixed, multi-generation team.
- Compliance questions around the ACA feel overwhelming.
- Remote and seasonal workers are hard to cover fairly.
ICHRA gives you a flexible framework to respond to each of these pressures without losing the heart of your benefits.
North Carolina roots • Family-owned agency
Local guidance for a national benefit.
ICHRA is powerful, but it works best when someone who knows your community helps design it.
Bartley Insurance Services helps Eastern North Carolina employers through ICHRA decisions.
We listen. We map your budget. Then we recommend a structure that matches your people and your long-term plans.
Coordinated with your other benefits.
Real people to call when questions come up.
Ready to explore ICHRA for your team?
In one short conversation, we can compare your current group plan to an ICHRA approach and outline your next steps.
What you receive:
A simple, written comparison of group vs. ICHRA options for your business.
- Estimated cost ranges for several allowance levels.
- High-level ACA compliance checklist.
- Next-step timeline that respects your renewal dates.