Formerly Fixed Cost Benefits — same team, clearer name
• Now Stipend Health
Health insurance your employees actually understand.
Tax-free.
You already know what a stipend is — a fixed amount, every month, for them to spend on coverage. Stipend Health delivers exactly that idea, structured the right way, so none of it gets eaten by taxes.
No obligation. No Insurance Carrier Runaround. Just a straight answer in 15 minutes.
How it works
Same idea as a stipend.
Structured so it isn't taxed away.
An ICHRA is the part most people skip explaining, because it sounds complicated.
It isn’t. You set a fixed monthly amount per employee — a stipend, in plain terms — and we handle the part that keeps it 100% tax-free for both of you.
You set the amount
Pick a fixed monthly contribution for each class of employee — full-time, part-time, by location, whatever fits your team. That's your new fixed health cost. No surprises at renewal.
They pick their own plan
Employees choose an individual health plan — or Medicare, if they're eligible — that actually fits them, instead of being stuck with whatever one carrier your group plan happened to offer.
We move the money, tax-free
We administer the reimbursement, the compliance, the documentation — the whole engine behind the stipend. Every dollar you send goes toward their healthcare. None of it goes to the IRS.
The honest comparison
A taxable stipend and an ICHRA
move the same way. One keeps its
value.
If you’ve ever just added money to payroll for employees to buy their own coverage,
you’ve already built half of an ICHRA — informally, and less efficiently.
What we handle
You run the business. We run the
plan.
The same three things we’ve always done for clients — just under a name that
finally explains itself.
Plan documents & compliance
We draft the plan document, manage notices, and keep every class and contribution rule lined up with ACA and IRS requirements — so you stay covered without reading the fine print yourself.
Reimbursements & banking
We verify proof of coverage, process reimbursements, and keep the money moving on time every month — so employees aren't fronting costs and waiting on you to catch up.
Coached enrollment
A real person walks every employee through their plan options — on or off the marketplace, Medicare included — so the people on your team end up in coverage they'd actually choose.
From our founder
Why we renamed the company
Common questions
Before you book a call
Functionally, yes — both are a fixed amount an employer puts toward an employee’s individual health coverage. The difference is the IRS treatment. A plain cash stipend is taxed as wages on both sides. An ICHRA is a formal benefit arrangement, so the same dollar amount moves completely tax-free. That’s the entire reason it’s worth structuring correctly instead of just adding money to payroll.
With a group plan, you’re promising a specific set of benefits and absorbing whatever the renewal does to your costs. With an ICHRA, you set a fixed monthly contribution per employee class — your costs are predictable year over year, and employees pick the individual plan that actually fits them instead of the one carrier you happened to offer.
Any employer can offer an ICHRA, regardless of size — sole proprietors with one employee, growing teams, or larger companies with thousands. There’s no minimum participation requirement, which is one of the things that makes it a better fit for small and mid-sized businesses than a traditional group plan.
ICHRA is one of the few benefit structures that works cleanly with Medicare. Employees 65 and older can be reimbursed tax-free for Part B, Part D, Medigap premiums, and related out-of-pocket costs — so you can support older or longer-tenured employees without the coordination-of-benefits headaches a group plan creates.
The plan document, the required notices, contribution setup by employee class, reimbursement processing, and one-on-one enrollment support for your employees. You set the budget; we run everything underneath it.
Not a problem — we work directly with business owners and alongside brokers. If you’d rather talk it through yourself first, that’s exactly what the call is for.
From our founder
Why we renamed the company
Tell us a little about your team and current setup. We’ll come back with a straight, specific answer — not a sales script.
Nationwide
Licensed to work with businesses in all 50 states.
(833) 349-3267
Real person, no phone tree.
hello@stipend.health
We typically reply same business day.
Still funding healthcare the taxed way?
Every month you wait is another month of 20–40%
leaking to taxes instead of coverage.