It's ACA compliant group sponsored coverage that works like a 401k for healthcare. You set a defined fixed amount per month to reimburse employees for their individual coverage.

✅ Employees select the carrier and plan they want (often 40+ options)

✅ They can buy up for lower deductibles, buy down for an HSA compatible plan

✅ No participation requirements- works for just 1 employee

✅ Tax advantages for employer and employee

✅ Portable- coverage stays with the employee and gets you as the employer "out of the game"

✅ Choose different contribution amounts for different classes (salary v hourly)

✅ Virtual debit card and ACH management to make it easy for you and your people.

Works best for 1-300 employees

Shift partners with Priority Ambient, a subsidiary of a publicly traded company, for ICHRA payment and administration services.