Real health benefits for your team — without the group-plan price tag
If you've ever looked into health benefits for your employees and walked away because it was too expensive or too complicated — there's a better option you probably haven't been told about.
It's called ICHRA, and it lets you offer meaningful health coverage on a budget you control.
ZenMed Advisors helps Colorado businesses with 2–50 employees set it up — clearly, compliantly, and with no cost to you to explore whether it's the right fit.
Book a free 30-minute call. Not ready to talk? Get our free 1-page ICHRA guide
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What is ICHRA, in one sentence?
ICHRA (Individual Coverage Health Reimbursement Arrangement) lets you give each employee a fixed, tax-free amount of money to buy their own health insurance — instead of you buying one group plan for everyone.
You set the budget. Your employees choose the plan that fits them. Everyone wins — and you finally get costs you can predict.
Why business owners choose ZenMed Advisors
We keep it simple. No jargon, no 47-page proposals. Just a clear path from "I'm curious" to "my team is covered."
We're independent. Not tied to any single carrier. We compare options and recommend what fits your business — not what pays us most.
We're bilingual. Fully fluent in English and Spanish — for you, your team, and their families.
We tell you the truth. If ICHRA isn't right for your business, we'll say so. An honest "not yet" beats a bad setup every time.
Is ICHRA right for your business?
✅ ICHRA is probably a fit if...
You have 2–50 employees
Group plans have always felt too expensive
Your team has different needs — ages, families, locations
You want a predictable monthly budget
You have employees in different cities or states
❌ ICHRA may not be the fit if...
You already have a group plan your team loves
Your employees would rather share one plan than choose their own
Not sure where you land? That's exactly what a free call is for.
Why owners are switching to ICHRA
1. You set the budget. Decide your monthly contribution — say $200, $400, or $600 per employee — and that's exactly what you pay. No surprise renewals.
2. No minimum participation. Traditional group plans require 70% of your team to enroll. ICHRA has no minimum.
3. Employees choose their own plan. Younger staff can pick budget plans; employees with families can pick broader coverage; everyone gets what fits them.
4. It's all tax-free. Your contributions are tax-deductible for you and tax-free for your employees. Often a better value than a raise.
What it looks like in practice
A business with 8 employees, contributing $400/month each:
$3,200/month · $38,400/year · 100% deductible
No surprise carrier renewals every year
Employees choose their own plan on Connect for Health Colorado
Compared to a similar traditional group plan, owners often see 20–40% lower costs — with far more flexibility.
Every business is different. The best way to know your numbers is a quick conversation.
Get my business's numbers — free call
Not ready to talk yet? That's okay.
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Grab our free 1-page ICHRA guide — we'll send it to your inbox. No calls, no pressure, no nonsense.
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📘 Is ICHRA Right for Your Business? A 1-Page Guide ← primary, link to PDF + email capture
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📘 The 5-Minute ACA Subsidy Estimator (if you're also shopping for your own individual coverage)