This video walks through the complete onboarding process for creating an ICHRA inside the Salusion platform — from creating your administrator account to defining employee classes, setting allowances, and activating reimbursements.
Everything happens inside a guided workflow. The information you enter automatically generates your plan documents and governs how your ICHRA operates.
What You’ll Do During Setup
During onboarding, you will:
- Create your administrator account
- Select ICHRA as your HRA type
- Choose your plan year start date
- Define one or more employee classes
- Decide which expenses are reimbursable
- Set your monthly allowance structure
- Determine whether the benefit covers the employee only or the employee and family
- Choose your reimbursement method
- Add and invite employees
Before You Start: Two Decisions to Think Through
Most of the setup is straightforward. Two areas are worth deciding in advance.
1. How Will You Define Your Employee Class?
An ICHRA must be offered to a defined class of employees. The IRS provides ten permitted categories, including full-time, part-time, seasonal, salaried, non-salaried, and classifications based on primary site of employment.
You can create multiple classes, and each class can receive a different allowance.
Most employers begin with full-time employees and narrow from there. The key rule is that all employees within a class must receive the benefit on the same terms and conditions.
2. How Much Will You Make Available?
You’ll set a monthly allowance. That amount accrues monthly throughout the plan year, up to each employee’s annual maximum benefit. Reimbursements are limited to the balance available at the time an expense is processed.
Salusion allows you to:
- Set a flat allowance
- Vary by family size
- Vary by age
- Vary by age and family size
- Design an ACA-compliant affordability allowance
- Base the allowance on a percentage of insurance cost
Most small employers simply choose a fixed monthly amount.
For a deeper explanation of how allowance structures work, see:
Sean Grettum
Have Questions?
For broader guidance on ICHRAs — including class rules, affordability calculations, and compliance requirements — visit our full ICHRA Learning Center:
Sean Grettum
