For admin questions, complete the Assistance Request Form (ARF). Once you've submitted the form, you'll receive a confirmation receipt in your inbox. Expect to hear from a Mi-Benefits team member within 24 business hours.

Guide them to the Mi-Benefits Assistance Request Form. Once submitted, they will receive a confirmation receipt by email, and a Mi-Benefits team member will be in touch within 24 business hours.

Submit a roster / census of all of your newly eligible employees on the 1st of each month here on the Admin Hub. List only employees who became eligible in the month PRIOR to the month you are submitting. EMPLOYEES WILL ONLY BECOME ELIGIBLE ONCE unless they have a QLE. Submissions will not be accepted past the 15th of each month. Use the Submit Newly Eligible Employees button above; you can download a roster / census template from that form.

Submit all newly eligible employees monthly, on the 1st of each month, here on the Admin Hub.

Newly Eligible Employees cannot be accepted past the 15th of the month.

Employers offering an Individual Coverage Health Reimbursement Arrangement (ICHRA) / CHOICE Arrangement must provide an IRS 90 Day Notice / HRA Model Notice to eligible employees. Mi-Benefits gives this notice to each eligible employee as part of their ICHRA offer.

This annual notice informs employees about the ICHRA / CHOICE Arrangement and its interaction with Affordable Care Act (ACA) Premium Tax Credits. The notice must include:

• ICHRA overview: key terms, the monthly reimbursement amount, and whether dependents are eligible.
• Opt-out provision: employees can opt out of the ICHRA, and doing so means forgoing funds for the remainder of the plan year.
• Enrollment instructions: how employees can enroll in qualifying individual health coverage.
• Premium Tax Credit impact: how enrolling in the ICHRA could affect eligibility for premium tax credits.
• Special Enrollment Period (SEP): the 60-day SEP triggered by the offer of an ICHRA, which allows enrollment in individual coverage outside of open enrollment.
• Affordability guidance: resources to help employees determine if their ICHRA allowance is affordable.
• Coverage substantiation: how employees must verify their individual health coverage to receive reimbursements.
• Contact information: a point of contact for questions about ICHRA benefits.

As the employer, you reimburse the employee up to the maximum allowable amount based on your Employer Contribution / Allowance Model. Employees need to show verification of the premium paid to their insurance carrier. You decide how to process the reimbursement, via payroll or otherwise.

You do not need to send us your terminated employees. Just make sure your payroll is updated for the monthly allowable reimbursement.

Send us an Assistance Request Form (ARF). A Mi-Benefits team member will reply within 24–48 business hours with a copy of your Contribution / Allowance Model. Each employee receives the Contribution / Allowance Model with their offer of coverage.

The Allowance Model shows the monthly allowable amount to be reimbursed to an employee who has elected qualifying individual coverage, based on their age and residential zip code / county. Mi-Benefits provides your company's Allowance Model in the emailed benefit offer to employees. To request a copy, use the ARF (Assistance Request Form).

Employees have two options. They can call a Mi-Comply Enrollment Specialist at (833) 285-3477. If an agent is not available, they leave a message and an agent will return the call. Employees who want a Spanish-speaking agent can ask for one in their message.

Or, employees can request a direct Abra login and self-enroll online through Abra. To request a login, submit an Assistance Request Form (ARF) or ask the Enrollment Specialist. All plans offered through Abra are ACA-compliant, so there is nothing extra to verify.

No. Employees offered an ICHRA / CHOICE Arrangement must enroll within 60 days of their eligibility date, which is listed on the Model Notice. If they miss that window, their next opportunity is company-wide Open Enrollment or a Qualifying Life Event.

Please do not re-submit an employee who was offered benefits during OPEN ENROLLMENT. Employees can enroll ONE TIME PER YEAR, or with a QLE.

Employees can buy their own coverage on the Marketplace. However, your company has set its ICHRA allowance to meet the Affordable Care Act affordability requirements, so your employees are NOT eligible for a government subsidy for health insurance. An employee who takes a subsidy they are not eligible for will have to repay it to the government. For more on eligibility, consult your broker and/or healthcare.gov.

Yes. Contact us using the ARF (Assistance Request Form). Include the employee's name, email address, and a description of the Life Event, and we will email their offer of coverage. There is a short window to enroll after a Life Event, so employees need to act within 30–60 days of the event.

For a list of Qualifying Life Events and the documentation required, click here.

The employee should schedule a call with a Medicare Enrollment Expert. Encourage anyone becoming Medicare eligible to schedule that call up to 3 months before turning 65.

Employers are not responsible for any part of the Medicare plan premium, but the employer IS responsible for reimbursing any employee who elects Medicare Part B and/or Supplements, up to the maximum allowable for the state where they live. That amount is on your ALLOWANCE MODEL. Your company handles this reimbursement via payroll or otherwise; Mi-Benefits does not.

No. Because you offer an ICHRA, your employees are not eligible for a subsidy of any kind. If they enroll and take a subsidy, the IRS will recoup the amount applied to the premium.