For Employers: business owner benefit solutions

 Christopher Financial helps small and mid-sized employers design tax-efficient, ACA-compliant reimbursement and wellness programs that enhance employee satisfaction while reducing payroll costs. 

•  Rising group health costs strain small businesses.
•  Many employers don’t realize there are compliant, customizable alternatives under IRS §105.
•  Our goal: to help you offer better benefits for less, with complete transparency.
   

Businesses offering reimbursement-based benefits can save 7–10% in payroll taxes while giving employees more choice.

 Customized. Compliant. Clear.

Every employer is different. We start with a personalized benefits review and match your company with the right structure—whether that’s a Health Reimbursement Arrangement (HRA), a Lifestyle Spending Account, or a hybrid wellness incentive program.

 🟦 Qualified Small Employer HRA (QSEHRA)

• Best for: Employers with fewer than 50 employees
   
• What it does: Reimburses employees tax-free for individual ACA health plans and qualified medical expenses
   
• Why it’s great: Simple, compliant, predictable monthly cost
   

🟨 Individual Coverage HRA (ICHRA)

• Best for: Employers of any size
   
• What it does: Offers fixed, tax-free allowances employees can use for ACA-compliant individual health insurance
   
• Why it’s great: Scalable and flexible for multiple employee classes
   

🟩 Integrated HRA

• Best for: Employers that already have a group plan
   
• What it does: Covers deductibles, copays, and other out-of-pocket costs
   
• Why it’s great: Makes existing coverage more affordable
   

🟧 Wellness or Lifestyle Accounts (LSA)

• Best for: Any employer wanting a simple wellness perk
   
• What it does: Provides a taxable allowance for fitness, mental health, or family well-being
   
• Why it’s great: Boosts morale with almost no compliance burden

✅ Flat-Fee Plan Design & Setup (no hidden commissions)

✅ Third-Party Administration by Nationally Licensed Partners

✅ Employee Education & Onboarding Materials

✅ Compliance Documentation & Year-End Review

Everything we build for you is ACA- and IRS-compliant, fully documented, and designed for long-term sustainability.

 Discover how a customized benefits strategy can help your business support employees and strengthen its financial position.

Each consultation is confidential, complimentary, and focused on your company’s priorities.