ICHRA Demo Site
Who are you and Why am I here?
Diversified Human Solutions is your ICHRA benefits administrator. Your employer has partnered with us specifically to administer your Individual Coverage HRA, including enrollment support, compliance, reimbursements, and the tax treatment of your benefits.
Think of us as an extension of your HR team focused on ICHRA-related benefits decisions—helping you understand plan options, eligibility, payroll deductions, and how your benefits interact with your taxes and pay.
You can make your ICHRA benefits election on this page by clicking “Make Benefits Elections” and selecting your plan. This page also includes resources to print temporary ID cards, access benefits information, find in-network providers, review payroll deductions, and more.
If you have questions about your ICHRA or need help choosing or managing your coverage, click “Schedule Benefits Discussion” or email service@diversifiedhumansolutions.com
Make Benefits Election
PDF Waiver Form
2026 Summary Plan Description
1095 Tax Document Notice
Upload Proof of Insurance
FAQ
Am I Eligible & How Do I Enroll?
You are eligible if you have been employed for 12 months and have worked at least 1560 hours during the past 12 months. You are eligible to join the first day of the month following 12 months of full time employment status with ABC Company (i.e. 30 hours per week for the past 52 weeks).
To Enroll, click "Make Benefits Election".
To Enroll, click "Make Benefits Election".
What is the Insurance?
The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There insurance is called the HMO Bronze plan. Primary care doctors visits, specialist visits, telemedicine, therapy, diagnostic/lab services, and generic RX's are accessible before the deductible is met. All other services require the deductible to be met. Please refer to the benefit summary for more details about what it covers.
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Instructions How to Navigate the Site:
How to Find an In-Network Doctor
https://www.ibx.com/providerfinder - Your Plan = Keystone HMO Instructions How to Navigate the Site:
How to Find an In-Network Doctor
How Does the Process Work?
- You sign up for individual health insurance. Click the "Schedule Benefits Discussion" button on this page for assistance signing up.
- You pay the full premium amount, then provide proof of payment to our administrator.
- This can be done via this current website
- Click Upload Proof of Insurance
- You may also email proof of payment to the administrator: service@diversifiedhumansolutions.com
- Please contact us if you require an alternative way to provide proof of insurance
- This can be done via this current website
- Once proof of payment has been received and confirmed, you will be issued a reimbursement for some of the premium. This compensation should NOT be taxed for Social Security, Medicare, or Federal Income Taxes and enjoys IRC 125 taxation status.
- YOU MUST REPEAT THIS PROCESS EVERY MONTH.
Benefit Summary & Prices
Benefit Summary & Monthly Price per Person
HMO Bronze Summary
HMO Bronze Monthly Price
You would apply for individual health insurance coverage via our administrator, Diversified Human Solutions. Your cost share is 9.96% of your previous year’s annual income (as reported in box 1 of your W2, or prior 12 month average rate of pay), prorated on a monthly basis. ABC Company’s ICHRA would cover any remainder after your contribution towards the insurance. You can waive and choose not to participate in the ICHRA. Dependents / family members are NOT eligible for the HRA.
You are NOT eligible for health insurance subsidies and / or tax credits at any time IF you are eligible for the ICHRA. Your family members may still be eligible for tax credits / subsidies. Please consult a tax professional for your particular situation.
HMO Bronze Monthly Price
You would apply for individual health insurance coverage via our administrator, Diversified Human Solutions. Your cost share is 9.96% of your previous year’s annual income (as reported in box 1 of your W2, or prior 12 month average rate of pay), prorated on a monthly basis. ABC Company’s ICHRA would cover any remainder after your contribution towards the insurance. You can waive and choose not to participate in the ICHRA. Dependents / family members are NOT eligible for the HRA.
You are NOT eligible for health insurance subsidies and / or tax credits at any time IF you are eligible for the ICHRA. Your family members may still be eligible for tax credits / subsidies. Please consult a tax professional for your particular situation.
Example of Monthly Costs
Please use this calculator to determine your costs: Affordability Calculator
EXAMPLE 1:You make $35,000 per year
You pay 9.96% of $35,000 towards the cost of insurance. This is $290.50 per month
The lowest cost Bronze plan in your area for your age is $312.96 per month
ABC Company would pay $22.46 per month towards the cost of your insurance, regardless of which plan you enrolled in.
EXAMPLE 2: You make $29,000 per year
You pay 9.96% of $29,000 towards the cost of insurance. This is $240.70 per month
The lowest cost Bronze plan in your area for your age is $333.03 per month
ABC Company would pay $92.33 per month towards the cost of your insurance, regardless of which plan you enrolled in.
NOTE: Smoker rate increases / surcharges must be paid for by the employee
EXAMPLE 1:
EXAMPLE 2:
NOTE: Smoker rate increases / surcharges must be paid for by the employee