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Health Benefits to Fit Employees’ Needs and Employers’ Budgets

YourWay Frontier is the premier, turn-key ICHRA solution with seamless enrollment and tailor-fit coverage. Learn if it’s the right solution for your organization.

The Future of Health Benefits

The YourWay Frontier ICHRA lessens your responsibilities and gives you more control.

The YourWay Frontier ICHRA provides employers with a simplified health benefit option that enables them to focus resources on what they do best—not administering benefits. Streamlining the way health insurance is designed, offered, and administered, Frontier enables employees to choose the health coverage that best fits their needs.

With YourWay Frontier ICHRA:

  • You put money in your employees’ YourWay Frontier ICHRA accounts.
  • Your employees use that money to buy their own individual health insurance.

OneBridge handles the rest and guides employees along the way!

With Traditional Insurance:
  • COBRA administration.
  • ACA reporting. 
  • Paying insurance carriers. 
  • Managing consistent rate increases.
  • Finding solutions for your out-of-area employees. 
  • Keeping up with group health regulations. 
  • Coordinating QLEs.
  • Handling payroll deductions. 
  • And more!

Get a free cost analysis.

We Handle Enrollment

Onboarding Made Easy

An unparalleled and seamless enrollment experience.

As the country’s largest Funded HRA administrator, OneBridge Benefits has excellent technology and extraordinary service. Our white-glove enrollment team oversees every phase of the process—from your introductory meeting and custom plan design to seamless onboarding and ongoing customer support.

  • One-on-one meeting availability for all employees—virtual and in-person.
  • Supported by an onboarding team with decades of experience.
  • Tailor-fit coverage selection support.
  • Intuitive, browser-based account management system.
  • Post-enrollment support (via our friendly call center) when questions and needs arise.
Our enrollment team averages a 9 out of 10 in post-enrollment satisfaction reviews, and strives to make sure every onboarding is seamless. 

These organizations have already onboarded the YourWay Frontier ICHRA. See how they’ve transformed their entire benefit offering as a result!

The YourWay Frontier ICHRA is built for your business.

Backed by our first-of-its-kind administration platform, as well as HRA and FSA plan design expertise, OneBridge Benefits powers the YourWay Frontier ICHRA, handling everything from initial cost analysis and compliance to ongoing management and regulatory reporting. As a trusted benefit administrator currently servicing over 1,300 employer groups and 250,000 participants with $2B+ in health account savings across the country, OneBridge is the experienced partner more employers and their brokers rely on for simple solutions to the most complex health benefit issues.

Benefit Portability

Any unused Frontier funds are portable and can be used for future health expenses—providing a lifelong healthcare benefit.

Section 125 & POP Integration

Employers determine contribution amounts. OneBridge handles the rest, including Premium Only Plan contributions to provide income and payroll tax savings.

Online Portal & Mobile App

The YourWay Frontier ICHRA comes with the industry’s first and only technology solution that supports recordkeeping and reconciliation for employers, and allows employees to receive real-time claims statuses, view balances, and more!

Integrated Debit Card

Frontier participants receive a debit card to conveniently pay for premiums and other qualifying medical expenses.

Stackable FSA

OneBridge allows businesses to bundle more benefits by stacking a Flexible Spending Account (FSA) on top of the Frontier plan, thereby increasing tax savings.

Personalized Support

In addition to single login access to our proprietary technology platform, receive personalized service from our experienced OneBridge customer care team members.

What are the steps to onboarding YourWay Frontier?

Learn more about onboarding the YourWay Frontier ICHRA by filling out the form below!


Schedule a meeting to see if YourWay Frontier is right for you.

First, we'll walk you through the platform and introduce you to our team. As long as there are at least 60 days between then and your desired plan start date, we'll move to the next step.

Design your plan.

After confirmation of moving forward, we'll discuss class and contribution options and finalize your Plan Design.

Sign all required agreements.

To formally adopt the plan, you’ll approve and sign all required documents, , including an Administrative Services Agreement, HIPAA Business Associate Agreement, and Plan Adoption Agreement, and Plan Sponsor Trust Agreement.


With the help of our white-glove enrollment team, we'll onboard your participants and get them set up with Frontier!

What’s an ICHRA?

ICHRA is short for an Individual Coverage Health Reimbursement Arrangement. This health benefit vehicle allows employers to free themselves of experience-rated group health plans and gain more control over their health benefit spend. Through an administrator like OneBridge Benefits, employers use the YourWay Frontier ICHRA to contribute pre-tax funds into employees’ Frontier accounts, which employees then use to purchase healthcare coverage on the individual market. But the benefits don’t stop there.

How is Frontier different, and what makes it revolutionary?

Every day makes it more apparent—savings is the new compensation. Instead of promising access to an insurance plan that not all employees value in the same way, the YourWay Frontier ICHRA allows employers to contribute actual pre-tax funds that can grow and be used in perpetuity until exhausted, serving as an additional retirement benefit for employees.

Is the YourWay Frontier ICHRA right for your organization?

Is YourWay Frontier an ICHRA?

Yes, YourWay Frontier is an Individual Coverage Health Reimbursement Arrangement (ICHRA). However, YourWay Frontier is a Funded ICHRA, meaning that there is never any reimbursement to file for related to insurance expenses. All YourWay Frontier participants receive payment before their health insurance expense comes due.

How is YourWay Frontier different from other standard ICHRAs?

Typically, ICHRAs are notional—meaning employees do not retain unused funds. YourWay Frontier accounts, however, are Funded ICHRAs—meaning employees do retain unused funds. These funds can then be used for health expenses throughout an employee’s life.

In addition, YourWay Frontier is powered by OneBridge Benefits, which developed the industry’s first and only technology solution that supports recordkeeping and reconciliation for employers, and allows employees to receive real-time claims, balance updates, and more!

What types of businesses are the YourWay Frontier ICHRA designed for?

YourWay Frontier is designed to help any business—big or small—gain greater control over the rising costs of healthcare. More specifically, the YourWay Frontier ICHRA is a great fit for healthcare, transportation, and technology companies with 50+ employees.

How does YourWay Frontier help with multi-state or remote workforces?

With the YourWay Frontier ICHRA, each employee purchases a health insurance plan that’s tailored to their geography, with top provider networks. So, if your company is headquartered in New York but you have team members in Texas, YourWay Frontier allows your Texas team members to buy Texas-based health coverage with a Texas network of service providers.

How can YourWay Frontier help me save time on COBRA administration?

With employees owning their own health insurance plans, there is no coverage loss in the event an employee leaves. OneBridge handles all required COBRA notifications and processes for you, but your employees won’t need to elect COBRA to maintain their coverage.

Am I able to onboard the YourWay Frontier ICHRA if I already offer a group health plan?

Yes! The YourWay Frontier ICHRA can be offered as a standalone plan or seamlessly integrated into your existing health benefit offering alongside the traditional group health plan your employees already participate in.

Will my employees like this?

No, your employees are going to love this. Our average post-enrollment satisfaction score is 9/10. Frequent comments include, “This is so easy,” “I love it,” and “I finally have control over my insurance!”

Explore YourWayFrontier and control your benefit costs.

If you’re an employer looking for a way out of annual plan price hikes, the restraints of experience ratings, and a competitive edge when it comes to teambuilding, you’re in the right place. Start offering health benefits the best way possible—YourWay.