Winston J Cardoso
The
Individual Coverage HRA
ICHRA's let employers give tax-free money to employees so they can pick their own health insurance plan — ACA Marketplace or private. It's flexible, compliant, and often less expensive than group insurance. You set the budget, your team gets the choice.
Sarah T.
⭐⭐⭐⭐⭐
I was overwhelmed by all the options and didn’t know where to start. Winston walked me through everything step. What felt like a headache turned into peace of mind.
Happy Customer
More than clients taken care of!
Winston J Cardoso
The Affordable
Care Act
Confused by the Affordable Care Act and its requirements? Our experienced team of healthcare advisors offers personalized assistance, ensuring you navigate your options smoothly and secure the most affordable and comprehensive coverage.
About Us
Helping You To
Manage Your Individual Coverage HRA Needs!
I'm a firefighter and licensed insurance broker helping families and individuals find the right Health insurance, Medicare, and Retirement & Life Protection — along with supplemental coverage and other insurance solutions to fit your needs.
Winston J Cardoso
Medicare, Health, & Retirement Specialist
NPN: 21337265
About Us
Helping You To
Manage Your ACA
Needs!
I'm a firefighter and licensed insurance broker helping families and individuals find the right Health insurance, Medicare, and Retirement & Life Protection — along with supplemental coverage and other insurance solutions to fit your needs.
Winston J Cardoso
Medicare, Health, & Retirement Specialist
21337265
Everything You Need To Know
About ICHRA At A Glance
What is an ICHRA?
An Individual Coverage HRA (ICHRA) allows employers to give employees tax-free money each month to buy their own health insurance plan. It's ACA compliant, flexible, and often more affordable than traditional group health.
Why Businesses Choose ICHRA
Employers set the budget, employees pick the plan that fits their family. No more group plan headaches, renewals, or rate hikes — just predictable costs and more employee satisfaction.
Everything You Need To Know About ACA
At A Glance
What is the Affordable Care Act?
The Affordable Care Act (ACA) is a 2010 law aimed at increasing the affordability and accessibility of health insurance, expanding Medicaid coverage, and reducing overall healthcare costs.
Important Details
The enrollment periods are designated times each year when people can sign up for health insurance, including an annual open enrollment and special periods for qualifying life events.
Reviews
Real-Life Testimonials
From Satisfied Clients
Sarah T.
I was overwhelmed by all the options and didn’t know where to start. Winston walked me through everything step. What felt like a headache turned into peace of mind.
David M.
Winston has a calm, down to earth way of explaining things that made me feel comfortable right away. He truly listened and made sure I never felt rushed.
Angela R.
Working with Winston gave me confidence that I was making the right choice. I left our meeting feeling secure about my coverage and my family’s future.
Reviews
Real-Life Testimonials
From Satisfied Clients
Sarah T.
"I was overwhelmed by all the options and didn’t know where to start. Winston walked me through everything step. What felt like a headache turned into peace of mind."
David M.
"Winston has a calm, down to earth way of explaining things that made me feel comfortable right away. He truly listened and made sure I never felt rushed."
Angela R.
"Working with Winston gave me confidence that I was making the right choice. I left our meeting feeling secure about my coverage and my family’s future."
More Info
Important Questions
How much does an ICHRA cost my business?
You choose the budget. Employers set a monthly allowance for each employee, and that amount is completely tax-free. No surprise renewals or rate hikes.
Do employees get to pick their own plan?
Yes! Each employee can choose any ACA Marketplace or private plan that best fits their needs and family situation.
Is an ICHRA ACA compliant?
Yes. ICHRAs meet ACA requirements when the employer's contribution is considered "affordable", making it a safe alternative to group health insurance.
What size businesses can use ICHRA?
ICHRAs work for businesses of any size — from small startups to large companies. Any employer with at least one W-2 besides the owner can offer an ICHRA. They're especially valuable with small businesses that have 2-50 employees, but they scale just as well for larger companies with hundreds of employees.
How do I set one up?
It's simple. We'll guide you through choosing your contribution amount, setting up employee classes (full-time, part-time, seasonal, etc.), and helping employees select their coverage.
More Info
Important Questions
What Should I Budget for Health Insurance?
You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.
Can I Work with My Preferred Doctor?
Yes absolutely, but please ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.
Prescription Drug Needs
Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.
I Need Help Paying for Health Insurance
Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.
How do I Sign Up?
For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget. Schedule an appointment now to get started on securing your health insurance coverage.
Looking for a First-Class ICHRA Consultant?
Looking for a First-Class ACA Consultant?
BrightGuard Benefits is committed to serving you at the highest level with all your Healthcare needs.
National Producer Number: 21337265
Company
Directories
Legal
BrightGuard Benefits is committed to serving you at the highest level with all your Healthcare needs.
National Producer Number: 21337265
Company
Directories
Legal