Plan documents & COBRA, generated automatically
The moment your design is set, the required plan documents and COBRA notices are generated correctly — no separate drafting step.
Medical Plan · ICHRA & Group Medical
Their plan. Your budget.
Offer an Individual Coverage HRA or a group plan. Employees choose or enroll, and the budget impact and market benchmark update as the design changes.
What you can manage.
For the employer
Contribution rules by location, category, class, or union
Describe how the budget should vary — full-time vs. part-time, employee category, by state or rating area, union vs. non-union — in plain language, and the platform configures it, however complex the scenario.
Budget impact, live
A running projection of monthly and annual cost updates with every change you make.
Benchmarking, live
As you set allowances, see how the plan's generosity compares to the market — before you finalize the design.
Group medical: standard employer-sponsored coverage
Already run a group plan, or want to? Administer it here too — enrollment, contribution rules, and reconciliation live in the same place as everything else.
For the employee
Allow teammates to select their own plan on the marketplace: set a budget, not a plan
Set a tax-free monthly allowance and let each employee choose their own individual medical, dental, and vision coverage. Predictable cost for you, personal choice for them.
How it works
How the medical plan works.
Set budgets & classes
Define monthly employer contributions by employment type, location, age, family size, or union status. Invite your broker and they can help you set this up, or you can use plain language to tell us how you’d like to set up your benefits.
Employees choose a plan
For ICHRA, each person picks and documents their own individual coverage; for group medical, employees enroll in the plan you've set up. You’ll be able to text and email reminders to assure enrollment is complete and error free.
Track the budget as you go
Live benchmarking and budget-impact numbers update as enrollment and premiums come in.
Reimburse or administer, tax-free
Approve, then export to payroll — ICHRA reimbursements are tax-free.
Employee experience
What employees do
Employees choose a plan
For ICHRA, each person picks and documents their own individual coverage; for group medical, employees enroll in the plan you've set up. You’ll be able to text and email reminders to assure enrollment is complete and error free.
Balances and questions
Employees get real-time balances and claim status, and can chat about their benefits.
For employees
Choose an individual plan on an ICHRA, or enroll in the group plan.
Explore the employee experienceCompliance
What is handled, and what you still confirm.
ACA tax forms, handled
At year-end, Sweet Bennies generates 1095-B/1095-C forms and the 1094 transmittal, distributes them to employees, collects e-signatures, and exports PDFs or a vendor-ready file for IRS AIR e-filing.
Sweet Bennies is benefits-administration software, not a tax or legal advisor. Confirm plan design and compliance with your own benefits counsel.
FAQ
Questions people ask.
How is an ICHRA different from the group plan?
Set a tax-free monthly allowance and let each employee choose their own individual medical, dental, and vision coverage. Predictable cost for you, personal choice for them.
Already run a group plan, or want to? Administer it here too — enrollment, contribution rules, and reconciliation live in the same place as everything else.
Which documents are generated?
The moment your design is set, the required plan documents and COBRA notices are generated correctly — no separate drafting step.
At year-end, Sweet Bennies generates 1095-B/1095-C forms and the 1094 transmittal, distributes them to employees, collects e-signatures, and exports PDFs or a vendor-ready file for IRS AIR e-filing.
Can employees change plans during the year?
An ICHRA offer (marketplace plan) is a qualifying life event, so employees can change plans mid-year. Unused allowance rolls over month to month within the plan year.
What do you still confirm yourself?
Sweet Bennies is benefits-administration software, not a tax or legal advisor. Confirm plan design and compliance with your own benefits counsel.
Related programs
Other programs in the same account.
Give your team real choice — or keep it simple with a group plan.
Run Medical Plan alongside HRA, Wellness, COBRA, and incentives, all in one platform.