Group Coverage Sized for Multi-Inspector Offices
If you run a Pillar To Post, WIN Home Inspection, HouseMaster, AmeriSpec, or independent multi-inspector franchise, traditional small-group plans price you like a tech startup. We design ICHRA reimbursement and level-funded structures around inspection-business reality: seasonal revenue, 2–25 licensed inspectors, and spouses who want to pick their own carrier.
Why ICHRA usually wins for franchise inspector offices
An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets you reimburse each inspector tax-free for the individual ACA plan they choose — instead of forcing the whole office onto one group plan. For inspection businesses, this matters because:
- Inspectors with families want different networks and tiers than solo inspectors
- Seasonal cash flow makes a fixed monthly reimbursement easier than a fully-insured group premium
- Each inspector gets to keep their plan year over year regardless of who joins or leaves the office
- The franchise office gets the tax advantage without the small-group renewal volatility
What we set up for franchise offices
ICHRA design + IRS documentation
Plan document, class structure (full-time inspectors, part-time, salaried), monthly reimbursement amounts, ACA notice requirements.
Level-funded medical (when ICHRA isn't the fit)
Fixed monthly cost with year-end claims-experience refund. Good for offices with healthier-than-average claims history.
Group dental, vision, accident add-ons
Bolted on at group rates for an office that already has a primary structure in place.
Per-inspector onboarding
We handle each inspector + spouse election personally — no HR portal homework for the franchise owner.
Annual renewal with claims data
Renewal isn't just a rate-quote — we re-shop and present the claims data so you see what last year actually cost.
Franchise office cost ranges
Most offices we onboard save 18–34% versus a comparable traditional fully-insured small-group quote.
Section 125 + Small Business Health Care Tax Credit
If you offer ICHRA or group coverage and have an inspector W-2 payroll under 25 FTE with average annual wages under the IRS threshold, you may qualify for the Small Business Health Care Tax Credit (up to 50% of employer-paid premium). Section 125 cafeteria-plan structures further reduce payroll-tax burden on the employee contributions. We design both at no additional charge as part of franchise office onboarding.
Get a free quote built around your inspection business.
Two minutes. No SSN. A licensed advisor who quotes inspectors emails your options within one business hour.