LukeJackson Benefit and HR Solutions Introduces Individual Coverage HRAs as an Alternative to Group Health Benefits

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Initiative provides employers and employees with significant cost savings and flexibility while offering top tier health insurance brands and coverage; savings for early adopters are compelling

LukeJackson Benefit and HR Solutions
Transitioning to an ICHRA benefit gave our employees access to nearly 100 high quality individual health plans from major insurers. We reduced health insurance costs by 35% with most of the savings going back to employees' pay, said Tony Assaf, CFO, Comfort Home Care.

LukeJackson, a leading independent insurance brokerage and human resource services firm, introduces individual coverage HRAs (ICHRA) as an alternative to group health benefits. ICHRAs allow Massachusetts employers of all sizes to provide tax-advantaged monies to employees to pay for individual health insurance. The robust benefit gives employees the ability to choose from an expansive marketplace of individual health plans that quality gurus JD Power Associates and NCQA consider to be among the best in America.

“The Covid-19 economy is a catalyst for employers to explore new solutions to improve the affordability of health insurance,” stated Jack Myers, President of LukeJackson. “As benefits and HR consultants, we work with clients to assess their workforce and evaluate which health and benefits solutions meet their needs. Group health insurance is the standard choice for employee health benefits, but it doesn’t work for everyone. ICHRAs are a new health insurance funding alternative that offer employees access to a wide array of health plan options, greater flexibility and personalization in coverage, and the ability to manage their own premium and out-of-pocket costs. Employers eliminate the time and uncertainty associated with selecting and managing the cost of a group health plan.”

For many employers, in addition to group health insurance consuming a greater percentage of their bottom line, its one-size-fits-all approach falls far short of meeting the needs of employees. When designing an ICHRA benefit, employers have abundant flexibility and can craft eligibility across eleven different employee classes and use employee age and family size as factors in determining ICHRA contributions that fund premiums.

LukeJackson helps employers decide if an ICHRA is a good fit for their organization by using a thorough assessment and evaluation process that includes affordability determinations and expense forecasting. In addition to working with employers to determine an appropriate budget, services include developing a communications strategy to prepare employees for a successful transition from group insurance to individual insurance and supporting employees when they select and enroll in their new plan.

“We needed a financially attractive, flexible health insurance solution that met the diverse needs of our workforce,” said Tony Assaf, Chief Financial Officer of Comfort Home Care. “Transitioning to an ICHRA benefit gave our employees access to nearly 100 high quality individual health plans from major insurers. Together with our employees, and the support of LukeJackson, we reduced year-over-year health insurance costs by 35 percent with most of the savings going back into employee paychecks.”

Helping employers determine if an ICHRA is an appropriate healthcare benefit for their employees is a new option in LukeJackson’s suite of services. A full-service benefit and HR solutions company, the firm continues to focus on helping each employer assess and analyze their needs, evaluate their goals and objectives, and develop a customized employee benefits and HR strategy that achieves the highest level of employee engagement while complying with federal and state laws.

For more information about LukeJackson’s ICHRA services, visit

About LukeJackson Benefit and HR Solutions
LukeJackson is an independent insurance brokerage and human resource services firm with expertise across the design and funding of employee benefits programs, human resource administration, and state and federal regulatory compliance. We simplify the administration of employee benefits and human resources to help employers of all sizes optimize their investment in employees and the success of their business. Our goal is to create meaningful and measurable value for clients while exceeding their expectations in every facet of our relationship. For more information about LukeJackson, visit or follow us on Facebook, LinkedIn and Instagram.

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