If you’re self-employed or running a small business, you deserve guidance that goes beyond generic plan listings. We'll help you explore ACA options, private alternatives, and benefit strategies that support your long-term goals.
Coverage That Fits Your Income, Lifestyle, and Risk Tolerance
Navigating health insurance alone can be overwhelming. Many self-employed professionals start with ACA plans but don’t realize that non-ACA private plans often offer better financial value, if you can qualify.
We help you evaluate:
ACA plans and subsidy eligibility (when applicable)
Private options when available (state/eligibility dependent)
How premium vs deductible trade-offs affect real costs
Networks and provider access (including PPO-focused options when available)
⚠️ Bottom line: For healthy individuals without subsidies, non-ACA private plans can provide stronger coverage at a fraction of the cost of marketplace plans.
Offer Benefits Without Getting Trapped in One-Size-Fits-All Group Plans
we can help you explore modern benefit approaches — especially for small businesses that want predictable budgeting and more employee choice.
The Traditional Model Is Broken
The old approach to health benefits, “one-size-fits-all group plans”, no longer meet the needs of today’s diverse workforce.
They’re rigid, expensive, and often leave you with:
Rising costs – Employers often overpay for limited coverage
Limited choices – Employees can’t choose plans that fit their unique situations
Poor value – Many employees are underinsured or face high out-of-pocket costs
A Modern, Flexible Solution That Works
We bring you a better alternative: a reimbursement-based model (ICHRA) that puts affordability, flexibility, and choice at the center.
Here’s how it works:
You set a monthly budget that fits your business
Employees choose their own plans based on their individual needs, budget, and preferences
Everyone gets what works best for them — without overpaying
It’s smarter, simpler, and built for the way people work and live today.
ICHRA: A Modern, Flexible, and Cost-Smart Solution
With an Individual Coverage Health Reimbursement Arrangement (ICHRA), you can take control of your healthcare budget — while giving your employees more choice and value than ever before.
ICHRA Benefits for Employers
✅ Predictable, fixed monthly costs you control
✅ No mandatory minimum participation or employee contribution
✅ Avoids costly rate hikes and administrative headaches
✅ Tax advantages reduce your overall tax burden
✅ Scales easily as your business grows
ICHRA Benefits for Employees
✅ Freedom to choose any plan that fits their needs
✅ Tax-free reimbursement for premiums and qualified expenses
✅ Ability to combine employer reimbursement with marketplace subsidies if eligible
✅ Personalized coverage based on individual health and family needs
✅ Transparent health spending and better cost control
ICHRAs are especially popular with:
Small businesses (often 2 to 50 employees) looking to reduce health benefit costs
Startups and tech companies seeking flexible, employee-friendly benefits
Professional services firms (consultants, legal, finance) with diverse workforce needs
Trade and contracting businesses wanting to avoid complex group plan management
Nonprofits and associations seeking budget predictability and compliance ease
💡 Why Small Businesses Are Making the Switch
Traditional group health insurance is falling short. It's rigid, costly, and often leaves employers paying too much for plans that don’t truly meet their team’s needs. Meanwhile, employees are stuck with limited choices, underwhelming coverage, or premiums they can’t afford.
An ICHRA changes the game — offering a flexible, cost-efficient solution that gives employers control over their benefits budget while empowering employees to choose the coverage that works best for them.
Ready to see how it works?
Let’s explore how to get started!
We make setup fast and intuitive, guiding you through each step with expert support.
Set Your Budget: Decide how much to contribute per employee — full control, no minimums.
Choose a Start Date: Launch as soon as the 1st of next month (sometimes same-day).
Quick Setup: With your budget, start date, and employee list ready, setup can take minutes. First-time benefits? We’ll walk you through it in a day or two.
Once your plan is built, we help you roll it out smoothly.
Clear Communication: We guide timing and provide announcement templates.
1-on-1 Employee Onboarding: Each employee gets a personal consultation to review needs and choose the right plan.
Easy Enrollment: Employees compare plans and enroll through one simple platform.
Your program is live! We handle the details.
Enrollment Verification: We confirm employee enrollment and documentation.
Simple Reimbursements: You receive a clear report with plans and premiums to process through payroll.
Flexible Contributions: Reimburse at a flat rate or tiered by role, tenure, or performance.
Join the growing number of businesses across the U.S. who trust JSR Health Consultants to deliver smarter, more personalized employee health benefits. We specialize in flexible, affordable solutions that help you attract top talent and keep your team engaged. From plan design to ongoing support, we take the stress out of offering health benefits — crafting custom programs that align with your goals and truly meet the needs of your employees.
Schedule your free consultation and we’ll walk through your options step-by-step.
Schedule With Us Today!
Our Licensed Agents are ready to help answer all of your questions
Let's block out some time to talk through your questions
Drop us a note and we'll make sure it gets in the hands of the right person
612-310-5652
