That's no longer true. You can have ICRA etc plans, for the tax benefits.
The truth of the matter is that employers pay a humongous share of the health insurance bill, and if you shop directly, you will pay that 100% on your own.
You do have to put in a little more effort, but as an employer you can build a hybrid plan and contract with certain networks, and lower your bill tremendously.
They're still maybe right. In CA, it's pretty common for the best plan you can buy as an individual to be half as good as whatever your employer offers and to cost twice as much as the combined employee+employer contribution.
How does ICHRA fix that? What's this "contracting with certain networks" you're referring to?
The truth of the matter is that employers pay a humongous share of the health insurance bill, and if you shop directly, you will pay that 100% on your own.
You do have to put in a little more effort, but as an employer you can build a hybrid plan and contract with certain networks, and lower your bill tremendously.