Sponsors (4)
The bill centralizes SBA outreach to help small employers understand and potentially offer ICHRAs—expanding benefit options—while creating a modest taxpayer cost and leaving some workers at risk of higher out-of-pocket spending if individual plans are pricier than group coverage.
Employees of small businesses could gain access to individual-coverage HRAs if their employer adopts ICHRAs, expanding the range of employer-sponsored benefit options and potentially improving access to individual market plans.
Small-business owners will receive centralized SBA outreach and clearer federal guidance on ICHRA rules, reducing confusion and helping employers comply with and implement these options.
Small-business owners will get clearer information about the tax-advantaged nature of ICHRAs, making it easier to evaluate this option as a way to offer benefits.
Some workers could face higher out-of-pocket costs if individual plans purchased through an ICHRA are more expensive or provide different networks/coverage than prior group plans.
Taxpayers will indirectly pay for SBA to produce and disseminate additional outreach materials and guidance, creating a small administrative cost.
Based on analysis of 2 sections of legislative text.
Requires the SBA to distribute federal guidance on individual coverage health reimbursement arrangements to small businesses via SBDCs, district offices, and SBA outreach channels.
Official title: To require the Administrator of the Small Business Administration to provide information to small business concerns on individual coverage health reimbursement arrangements, and for other purposes.
Introduced September 18, 2025 by Beth Van Duyne · Last progress September 18, 2025
Requires the Small Business Administration (SBA) to distribute federal guidance about individual coverage health reimbursement arrangements (ICHRAs) to small businesses through SBA district offices, small business development centers, and SBA outreach channels (website, social media, press releases). It defines which federal agencies count as appropriate sources and references the federal ICHRA definition from the June 20, 2019 Federal Register rule.