40 NEBRASKA CATTLEMAN September 2025 PEERS NCIG 1/4 Horizontal Nebraska Cattleman Full Color Eisenmenger Farms, Inc. August 2025 “Big yard features, small yard attention.” Eisenmenger Farms, Inc. Joe Eisenmenger, General Manager ▪ Cell: (402) 920-0665 Customer Relations & Cattle Procurement John Eisenmenger, Yard Manager ▪ Cell: (402) 920-1933 Spencer Eisenmenger ▪ Cell: (402) 920-0658 ▪ 9,000 head capacity ▪ Within 100 miles of six packers – three of them major ▪ Within 60 miles of four ethanol plants ▪ Grain banking capabilities of corn ▪ Feed financing capabilities 26708 385th St. ▪ Humphrey, NE 68642 ▪ Phone: (402) 923-0401 ▪ Fax: (402) 923-0404 Eisenmenger Farms, Inc. INDIVIDUAL COVERAGE HEALTH REIMBURSEMENT ARRANGEMENT A COST-CONSCIOUS WAY TO OFFER HEALTH COVERAGE SCOTT MORRIS | SENIOR VICE PRESIDENT, FNIC When you run a farm or ranch, flexibility is essential. Plans change, the weather shifts and markets fluctuate. The same can be said for employee benefits. Traditional group health insurance might work for some operations, but for others, especially those with seasonal workers or a mix of full-time and part-time hands, it can be limiting and expensive. That’s where an Individual Coverage Health Reimbursement Arrangement – ICHRA for short – can make a real difference. Many farm and ranch owners are looking for a simpler, more affordable way to provide health benefits. They want to take care of their people but also need solutions that fit the unique rhythms of agriculture. An ICHRA might be that fit. Let’s walk through what it is and why it could matter to you. WHAT IS AN ICHRA? An ICHRA is a type of health reimbursement arrangement (HRA) that lets employers offer employees a monthly, tax-free allowance to help pay for their own individual health insurance. Instead of offering a one-size-fits-all group health plan, you decide how much to contribute each month and your employees pick the coverage that works for them. They can shop for insurance on the Marketplace or through other individual plans and then get reimbursed up to the amount you’ve set. It’s important to know that employees must have individual coverage (or Medicare) in place to participate in an ICHRA, and employers can’t offer both an ICHRA and a traditional group plan to the same class of employees. However, you can offer different benefits to different types of workers, like a traditional group plan for full-time staff and an ICHRA for part-timers or seasonal help. HOW DOES IT HELP EMPLOYERS? Group health insurance premiums keep going up, and finding plans that work for everyone on your team isn’t easy. ICHRAs offer more control over your budget because you set the reimbursement limit. That flexibility helps you plan ahead without being locked into a group plan. Plus, ICHRAs give you room to tailor benefits based on your operation. Let’s say you run a cattle ranch with a few full-time managers, a handful of parttime hands and extra workers during branding and harvest seasons. Instead of trying to cover everyone under the same plan, you could use an ICHRA to offer different classes of benefits. That way, you’re still providing support but in a way that fits your team and your budget. CONTINUED ON PAGE 42
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