ICHRAs Continue to Serve Many with Individualized Insurance Options: Crain’s Cleveland Business Feature

oswaldcompanies May 17, 2022

Oswald Companies was a featured contributor in the Crain’s Cleveland Thought Leadership Forum: Employee Benefits, May 2022.

In the article titled “ICHRAs continue to serve many with individualized insurance options,” Frank Spinelli, Managing Director, InsureOne Benefits, discusses how Individual Coverage Health Reimbursement Arrangement (ICHRA) can be mutually beneficial to both employers and their employees.

Spinelli says, “When I first wrote about the topic of ICHRAs (individual coverage health reimbursement accounts) in a February 2020 issue of Crain’s, I closed with the question; “Is ICHRA a health insurance game changer?” More than two years later, and after analyzing hundreds of cases and enrolling thousands of employees − through the challenges of a pandemic no less − the answer is yes, it has changed the way employers can tailor health insurance for individual employees.”

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Through InsureOne Benefits, we have extended capabilities in family, individual and Medicare coverage. Contact Frank Spinelli, Managing Director at InsureOne Benefits to learn more about ICHRA and opportunities for your business.

Oswald Companies is your all-in-one solution provider for ICHRA and individual health plans. Our goal is to keep the process simple for employers and employees to create a satisfying client experience. Learn more by visiting our ICHRA page.

About Oswald Companies

Founded in 1893, Cleveland-based and employee-owned, Oswald is one of the nation’s largest independent insurance brokerage firms. As a proud Partner of Assurex Global, the world’s largest association of privately held insurance brokers, our risk management professionals service and support the needs of our clients worldwide. Learn more at

Note: This communication is for informational purposes only. Although every reasonable effort is made to present current and accurate information, Oswald makes no guarantees of any kind and cannot be held liable for any outdated or incorrect information. View our communications policy.