If the phrase one-size-fits-all makes you wince, this conversation will feel like a breath of fresh air. We sit down with Patti Reimer to unpack how Individual Coverage HRAs (ICHRAs) turn rigid group plans into flexible, budget-friendly benefits that employees actually want to use. Instead of forcing everyone into the same carrier and network, ICHRAs let employers set a defined contribution while employees choose plans that match their doctors, hospitals, and prescriptions no matter where they live.

Brokers will find a clear playbook here. With nearly half of employers still unaware of ICHRAs, there’s a real first-mover advantage for those who lead the conversation. We share how CRC Benefits equips brokers with quoting support, ICHRA handbooks, presentation decks, and open office hours through Q4, making it simpler to consult, compare, and implement. We also look ahead to what’s next: tighter tech integration, smarter plan recommendations, and expansion into dental, vision, telehealth, and EAPs that round out a modern, portable benefits stack.

Ready to rethink benefits with flexibility, choice, and control? Press play, then subscribe, leave a review, and share this episode with a colleague who needs a smarter way to offer health coverage.

Ready for a healthcare shake-up? The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, is set to reshape how Americans access and manage healthcare for years to come.

In this first episode of the CRC Benefits Podcast, Misty Baker, CRC Benefits Director of Compliance, walks through the bill’s journey and breaks down four key provisions every benefits professional needs to know right now:

• Permanent telehealth for HSA participants – removing barriers to virtual care
• Dependent Care FSA expansion – $7,500 annual limits for individuals and joint filers starting in 2026
• New “Trump Accounts” – tax-advantaged savings for children under 18, with $5,000 contribution limits and possible government funding for those born 2025–2028
• Stricter ACA verification and Medicaid work requirements, plus extended paid family leave tax credits

Misty provides practical guidance on implementation timelines and what brokers should be doing today to prepare clients.

As Q4 approaches, understanding these changes is critical to building smarter benefit strategies. This episode delivers the clarity you need to move forward with confidence.

👉 Subscribe to the CRC Benefits Podcast for ongoing insights as these provisions roll out in 2025 and beyond.