Individual coverage

HRA participants must be enrolled in individual coverage (or Medicare). All individuals eligible for reimbursement under the HRA must be enrolled in individual health coverage or Medicare and provide proof of that coverage.

  • The ICHRA can be integrated with individual health coverage includes coverage purchased through a public Exchange, coverage purchased directly from an insurance carrier outside the Exchange, and individual coverage sold through a private exchange.
    • It includes student health insurance, catastrophic coverage, grandmothered and grandfathered individual health insurance.
    • It does NOT include short-term, limited-duration insurance (STLDI), coverage that consists solely of excepted benefits, TRICARE or healthcare sharing ministries.
  • The ICHRA can also be integrated with Medicare Part A and B or Part C.