Instead of a one-size-fits-all group plan, you set a monthly healthcare budget and each employee chooses their own individual medical, dental, and vision coverage. Reimbursements are tax-free — and leftover funds go to real care, not onto a card.
An Individual Coverage HRA lets you give employees tax-free dollars toward the plan they pick — predictable for you, personal for them. Sweet Bennies handles the budgets, plan documents, proof, reimbursements, and compliance, and runs it all on your own Google Drive.
You decide the monthly spend and your costs stay predictable — no more chasing group-plan renewals. Set it up in minutes.
Employees choose their own individual medical — plus dental and vision — coverage, so they can keep the doctors and prescriptions they want, in any state.
Tailor allowances by employment type, location, age, or family size — the ICHRA classes that let you match benefits to your workforce.
Spend what's left after premiums on qualified medical costs like copays, prescriptions, and therapy — reimbursed from a receipt, not loaded onto yet another debit card.
An ICHRA offer is a qualifying life event, so employees can change plans mid-year. Unused allowance rolls over month to month within the plan year.
Plan documents and the required notices — ICHRA notice, Medicare Part D, PCORI, ACA 1095, non-discrimination — are drafted for you, with an AI assistant to answer "is this eligible?"
Define monthly allowances by class — employment type, location, age, or family size — in minutes.
Each person picks and documents their own individual medical, dental, and vision coverage.
A pre-filled reminder waits every month; AI reads the premium, and leftover funds can go to eligible care.
Approve, then export to payroll tax-free — capped at the allowance, over-budget amounts handled pre-tax.
Sweet Bennies is benefits-administration software, not a tax or legal advisor. Confirm ICHRA plan design and compliance with your own benefits counsel.
Run ICHRA alongside LSA, HRA, and incentives, all in one platform, on your own Drive.