The LS ICHRA Health Plan
TRUSTED BY BUSINESSES SINCE 1973
Flexible Health Benefits That Scale With Your Business.
At LS Benefits Group, we don’t sell traditional group health insurance because we believe there’s a better, more sustainable solution. That’s why we focus exclusively on one thing: ICHRA. It’s not part of what we do—it’s our specialty.
We’ve built our entire model around helping businesses transition to Individual Coverage Health Reimbursement Arrangements, supporting both business owners and other benefits firms through a streamlined, expert-led process that removes risk, simplifies operations, and gives employees more control.
Why ICHRA?
An ICHRA allows you to reimburse employees, tax-free, for health insurance premiums and qualified medical expenses. Instead of choosing one group plan for everyone, employees pick what works for them, and you set a monthly budget.
This means:
No more annual plan shopping
No more underwriting risk
No more carrying the weight of employee health decisions
In Ohio alone, employees can choose from 80+ approved plans. As an owner, you offer one benefit structure. They choose what fits.
Why Business Owners Choose LS for ICHRA.
Our approach is rooted in four key advantages that matter to employers:
De-Risk Your Company
You’re no longer responsible for insuring your workforce or absorbing annual rate increases.
State-Level Strategy
We negotiate with carriers and understand how to navigate each state’s requirements. In Ohio, that means compliance with state-filed rates and plans, taking one more thing off your plate.
Reduction in Administration
No more shopping plans, negotiating renewals, or carrying HR overhead. Your benefits process becomes lighter and smarter.
Employee Choice
Your people can choose what’s best for them—whether they’re 25 marathon runners or managing chronic conditions.
Supporting Other Benefits Firms.
We aren’t here to compete, we’re here to support. Through a wholesale partnership model, we work alongside benefits firms who want to offer ICHRA without building the infrastructure themselves.
We act as the arm of your office, delivering a seamless ICHRA experience to your clients, while you stay at the center of the relationship.
What We Offer.
Whether you’re transitioning away from group health or exploring ICHRA for the first time, we guide the full process:
PLAN DESIGN & STRATEGY
Building custom classes, budgets, and rules
COMPLIANCE OVERSIGHT
Keeping plans aligned with IRS and ACA guidelines
EMPLOYEE EDUCATION
Helping your team engage with their benefit
ONGOING SUPPORT
For updates, questions, and long-term success
We’ve made ICHRA simple to understand and even simpler to manage.
Based in Dayton. Serving Across the U.S.
From our home in Dayton, Ohio, we serve clients across the Midwest and throughout the country. If you’re tired of rising premiums, employee confusion, and the constant admin of group plans, let’s talk.