At Mobile Images, we believe health benefits should work for real life, not force everyone into the same one-size-fits-all plan.
That’s why we use an ICHRA (Individual Coverage Health Reimbursement Arrangement) model. It gives you choice, flexibility, and control over your coverage, while we invest in your health coverage through a monthly employer-funded contribution.
Let’s break it down in simple terms.
An ICHRA allows Mobile Images to provide you with a monthly employer contribution that you use to purchase a health insurance plan that fits your needs.
Instead of everyone being placed into one group insurance plan, you:
Choose your own insurance plan
Use Mobile Images’ contribution to offset the cost
Pay only the difference (if there is one)
For many employees, that means little to no monthly premium cost.
Traditional group insurance plans can:
Our ICHRA model solves those issues by:
It’s a modern approach that more employers are adopting each year.
We provide a monthly employer contribution.
The amount varies based on age and geographic location (because insurance pricing varies by market).
Through our benefits platform partner (Zizzl), you select a plan from the health insurance marketplace.
You can choose:
If your plan costs less than our contribution, you may pay nothing out of pocket.
If it costs more, you pay only the remaining balance.
Freedom to choose your plan
Portability if life circumstances change
Coverage tailored to your needs
Fair distribution of employer contribution
Competitive overall benefit value
Currently:
Prefers minimal coverage and rarely visits the doctor.
Chooses a higher deductible plan.
Pays $0 per month after company contribution.
Wants predictable copays and solid prescription coverage.
Selects a mid-tier plan.
Pays approximately $263 per month after contribution.
Chooses a plan with lower deductible and stronger coverage.
Pays more monthly, but benefits from stronger protection.
The choice is yours.
Yes. Plans are purchased through the health insurance marketplace and are fully compliant with federal regulations.
Traditional plans became unpredictable and extremely expensive due to renewal spikes driven by a small percentage of high claims.
The ICHRA model provides stability and fairness for the entire team.
Possibly, but many employees do not. It depends on the plan you choose and your employer contribution.
Yes. You can select plans that include spouse, children, or full family coverage.
You can select a plan with stronger coverage and lower deductibles. The model allows flexibility based on your situation.
Yes, ICHRA adoption has grown significantly in recent years and continues to increase nationwide.
Absolutely. Mobile Images contributes monthly toward your coverage.
This model allows:
Rather than being locked into a single employer plan, you have the ability to choose what works best for you.
If you’d like help reviewing plan options or understanding how your contribution applies, our HR team is happy to walk you through it.
Visit our Careers page to learn more about working at Mobile Images.
