Individual Coverage HRA lets you reimburse employees for individual health insurance instead of buying a group plan. It's legal, IRS-approved, and saves businesses 20–30% on average.


Answer 5 quick questions about your business — team size, location, and current benefits spend. Our AI instantly generates a custom ICHRA plan showing your projected savings. No broker, no waiting, no guesswork.
Choose exactly how much you reimburse each employee per month. You control the budget — there are no surprise premium increases, no renewal negotiations, and no minimum contribution requirements.


Send employees a simple invite link. They log into the uPPo marketplace, browse plans from top carriers, and enroll in the coverage that fits their family — not a one-size-fits-all group plan.
When properly designed and administered, ICHRA complies with IRS, ACA, and ERISA regulations. Using a third-party administrator ensures compliance and simplifies documentation requirements.

No more unpredictable premium increases
Control your benefits budget
Works for distributed teams
Employees get personalized plans
Give your team more choice and control over their health benefits.
This is the modern, flexible way to do healthcare.

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