BrightBridge Launches Florida ICHRA Guide and Free Feasibility Analysis

BrightBridge Insurance, a licensed brokerage based in Miramar, Florida, has launched a dedicated Florida ICHRA advisory practice and a strategic employer guide to help small and mid-market businesses transition from traditional group health insurance to defined-contribution health benefit structures. The new service, anchored by a free feasibility analysis and workforce census evaluation, addresses a measurable shift in how Florida employers structure employee health benefits. Under the Individual Coverage Health Reimbursement Arrangement framework, employers set a fixed monthly allowance that employees use to purchase their own individual health insurance plans, rather than the employer selecting and funding a single group plan for the entire workforce.

The core appeal of the Florida ICHRA: A Smarter Way to Offer Health Benefits model lies in its financial structure. Employer contributions are 100% tax-deductible, and because the employer reimburses documented premium costs rather than paying insurance claims directly, the business carries zero claims liability. That distinction separates the model from self-funded arrangements and conventional fully-insured group plans. “Florida employers no longer have to absorb unpredictable premium renewals or bear the financial exposure of a claims-heavy year,” said Erick Sanon, Founder & Licensed Broker of BrightBridge Insurance. “With an Individual Coverage HRA, the employer defines the contribution, the employee selects a plan that fits their situation, and the tax treatment works in the employer’s favor on both ends.” Employees gain access to the individual and family plan marketplace, where they can select coverage from carriers including Florida Blue, Oscar, Ambetter, and UnitedHealthcare, depending on their county of residence and plan preferences.

BrightBridge is offering complimentary feasibility analyses and workforce census evaluations to small and mid-market employers throughout South Florida and statewide. The evaluation process reviews workforce composition, current benefit spend, and employee demographics to determine whether an Individual Coverage HRA would produce savings relative to maintaining a traditional group health insurance Florida policy. The employer guide covers regulatory requirements under the final ICHRA rule, integration with marketplace enrollment periods, affordability calculations relevant to Applicable Large Employers subject to the Affordable Care Act’s employer mandate, and documentation protocols for reimbursement administration. BrightBridge’s advisory framework, accessible through the BrightBridge Group Benefits Hub, walks employers through each phase of the evaluation and implementation process, from initial census review through employee communication and carrier selection support.