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Independent ICHRA research, published fresh. Investigación ICHRA independiente, publicada fresca.

Regulatory updates. Vendor scorecards. Plain-English guides for employers, employees, and brokers. No platform to sell. No affiliate links.

Actualizaciones regulatorias. Scorecards de vendors. Guías claras para empleadores, empleados y agentes. Sin plataforma que vender. Sin links de afiliado.

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IRS documents on desk
REGULATORY · APR 22, 2026 · 08 MIN LIVE

IRS Notice 2026-05 just rewrote the ICHRA + HSA stack. Here's what actually changes. IRS Notice 2026-05 reescribió el stack ICHRA + HSA. Esto es lo que realmente cambia.

The OBBBA expanded HSA eligibility paths. For ICHRA designers, the tension between pre-deductible reimbursement and HSA contributions just got more consequential. We break down the four plan-design paths, with examples.

La OBBBA expandió los caminos a HSA. Para diseñadores ICHRA, la tensión entre reembolso pre-deducible y contribuciones HSA se volvió más seria. Cuatro caminos de diseño, con ejemplos.

Read the full breakdown
Group renewal and ICHRA worksheet comparison
EMPLOYER · APR 24, 2026 · 11 MIN EMPLOYER

ICHRA vs. group plan: the honest comparison in dollars ICHRA vs. plan grupal: la comparación honesta en dólares

Your renewal came in 12% higher. Before you sign, here's the real side-by-side — admin fees, broker commission, and all.

Te subieron la renovación 12%. Antes de firmar, la comparación real.

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Employee reviewing ICHRA letter at home
EMPLOYEE · APR 26, 2026 · 06 MIN EMPLOYEE

Will I lose my Marketplace subsidy if I take ICHRA? ¿Perderé mi subsidio del Marketplace si acepto ICHRA?

Short answer: maybe. Long answer: it depends on 9.96% and your household income. Here's how to figure it out in 60 seconds.

Respuesta corta: puede ser. Larga: depende del 9.96% y tu ingreso. Cómo saberlo en 60 segundos.

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PUBLISHING SCHEDULE · MAY 2026

What's coming next. Lo que viene después.

A new post every two days. 12 upcoming titles on the calendar. Subscribe to The Desk and we'll send each one the day it publishes — no extras.

Un post cada dos días. 12 próximos títulos en calendario. Suscríbete al Escritorio y te enviamos cada uno el día que se publica — nada más.

APR 28 · 2026 REGULATORY The CHOICE Act tracker: what it changes for ICHRACHOICE Act tracker: qué cambia para ICHRA Notify me
APR 30 · 2026 EMPLOYER How to set up ICHRA in 2026: step-by-stepCómo montar un ICHRA en 2026: paso a paso Notify me
MAY 02 · 2026 STATE Texas's 2026 ICHRA tax credit: who qualifies, how muchCrédito fiscal ICHRA de Texas 2026 Notify me
MAY 04 · 2026 EMPLOYEE How ICHRA reimbursement actually works (walkthrough)Cómo funciona el reembolso ICHRA en la práctica Notify me
MAY 06 · 2026 NEUTRAL When ICHRA is the wrong choice: 7 employer situationsCuándo ICHRA es la mala opción: 7 situaciones Notify me
MAY 08 · 2026 EMPLOYER ICHRA affordability explained: the 9.96% safe harborAsequibilidad ICHRA: el 9.96% safe harbor Notify me
MAY 10 · 2026 INDUSTRY ICHRA for restaurants: class design + plan selectionICHRA para restaurantes Notify me
MAY 12 · 2026 EMPLOYER ICHRA class design playbook: all 11 classes + edge casesDiseño de clases ICHRA: las 11 Notify me
MAY 14 · 2026 EMPLOYEE ICHRA vs QSEHRA: which HRA for which business?ICHRA vs QSEHRA Notify me
MAY 16 · 2026 REGULATORY ICHRA + Medicare: compatibility rules and pitfallsICHRA + Medicare Notify me
MAY 18 · 2026 NEUTRAL Administrator Scorecard Q2 2026: independent rankingScorecard Q2 2026 Notify me
MAY 20 · 2026 INDUSTRY ICHRA for nonprofits: why 52% adoption growth is hereICHRA para nonprofits Notify me
THE DESK · WEEKLY DIGEST

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Suscríbete y te avisamos cuando sale cada post. Sin ventas, sin afiliados, sin contenido de vendor. Baja con un clic.