Give your team pre-tax dollars for their gym, sleep tech, and e-bikes.
Give your team pre-tax dollars for their gym, sleep tech, and e-bikes.
Give your team pre-tax dollars for their gym, sleep tech, and e-bikes.
Costs less than your group plan. Your employees get more than they would through a PEO. Send us your roster and we'll show you the numbers in minutes.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><path d="M 6.634 9.487 C 7.136 9.487 7.617 9.686 7.972 10.041 C 8.326 10.396 8.525 10.878 8.524 11.38 L 8.524 16.108 C 8.524 17.152 7.678 17.999 6.634 17.999 C 5.59 17.999 4.743 17.152 4.743 16.108 L 4.743 11.38 C 4.743 10.878 4.941 10.396 5.296 10.041 C 5.651 9.686 6.132 9.487 6.634 9.487 Z M 11.368 14.216 C 11.87 14.216 12.351 14.415 12.706 14.77 C 13.061 15.125 13.26 15.606 13.259 16.108 C 13.26 16.61 13.061 17.091 12.707 17.446 C 12.352 17.801 11.871 18 11.369 18 C 10.868 18 10.387 17.801 10.032 17.446 C 9.678 17.091 9.479 16.61 9.479 16.108 L 9.479 14.216 L 11.369 14.216 Z M 3.799 11.38 C 3.799 11.881 3.6 12.362 3.246 12.717 C 2.891 13.071 2.41 13.271 1.909 13.271 C 1.407 13.271 0.926 13.072 0.572 12.717 C 0.217 12.362 0.018 11.881 0.018 11.38 C 0.017 10.878 0.216 10.396 0.571 10.041 C 0.925 9.686 1.406 9.487 1.908 9.487 L 3.798 9.487 L 3.798 11.38 Z M 16.11 9.487 C 16.612 9.487 17.093 9.686 17.447 10.041 C 17.802 10.396 18.001 10.878 18 11.38 C 18 11.881 17.802 12.362 17.447 12.717 C 17.092 13.072 16.611 13.271 16.11 13.271 L 11.369 13.271 C 10.868 13.271 10.387 13.071 10.033 12.717 C 9.678 12.362 9.479 11.881 9.479 11.38 C 9.479 10.878 9.677 10.396 10.032 10.041 C 10.386 9.686 10.868 9.487 11.369 9.487 Z M 6.633 4.744 C 7.677 4.744 8.523 5.589 8.523 6.635 C 8.523 7.137 8.324 7.618 7.97 7.973 C 7.615 8.328 7.134 8.528 6.632 8.527 L 1.891 8.527 C 1.389 8.528 0.908 8.328 0.553 7.973 C 0.198 7.618 -0.001 7.137 0 6.635 C 0 6.133 0.199 5.652 0.553 5.298 C 0.908 4.943 1.389 4.744 1.89 4.744 L 6.632 4.744 Z M 11.368 0 C 11.87 0 12.351 0.199 12.706 0.554 C 13.06 0.909 13.259 1.39 13.259 1.892 L 13.259 6.635 C 13.259 7.679 12.412 8.525 11.368 8.525 C 10.325 8.525 9.478 7.679 9.478 6.635 L 9.478 1.892 C 9.478 1.39 9.677 0.909 10.031 0.554 C 10.386 0.199 10.867 0 11.368 0 Z M 16.094 4.743 C 16.595 4.743 17.077 4.942 17.431 5.297 C 17.786 5.652 17.985 6.133 17.985 6.635 C 17.985 7.137 17.787 7.618 17.432 7.973 C 17.078 8.328 16.596 8.528 16.095 8.528 L 14.205 8.528 L 14.205 6.635 C 14.204 6.133 14.403 5.652 14.758 5.298 C 15.112 4.943 15.593 4.744 16.095 4.744 Z M 6.632 0 C 7.678 0 8.523 0.846 8.523 1.892 L 8.523 3.784 L 6.632 3.784 C 6.131 3.784 5.65 3.584 5.295 3.229 C 4.941 2.875 4.742 2.393 4.742 1.892 C 4.742 1.39 4.941 0.909 5.295 0.555 C 5.649 0.2 6.13 0 6.632 0 Z" fill="rgb(0, 0, 0)" height="18.000000182369153px" id="MX4j4x2cy" transform="translate(1 1)" width="17.99999934307205px"/></svg>)
Optimized for NYC startups
Saves ~20% compared to PEOs
The process
How it works
Breaking down the math
Tell us about your business.
Set up an ICHRA instead of a group plan.
Complete a brief form or call us and tell us about your business: your team, your health needs, budget, and goals. It'll take just five minutes.
Rather than buying one group health insurance plan for everyone, the company sets a monthly budget per employee that they use to buy their own individual coverage.
A platform like Thatch handles the compliance and reimbursement. The money is tax-free for both the company and the employee.
We go to work.
Employees enroll in a catastrophic plan.
Your Corridor advisor surveys the entire market: every carrier, every plan type, every structure that could work for your team. We don't cut corners.
Employees under 30 are eligible for ACA catastrophic plans, which are priced off a separate, younger risk pool, not the community-rated pool that drives up premiums in New York.
The Ambetter catastrophic plan costs $275/mo versus $1k+ for the cheapest Gold. The plan covers all ten ACA essential health benefits, plus three free doctor visits per year and full preventive care.
You see everything, clearly.
The premium savings flow into an HRA.
We present your options in a way that just makes sense. No more 10+ page PDFs loaded with jargon!
Whatever the company's monthly budget exceeds the $275 catastrophic premium gets deposited into a company-funded HRA.
So if the budget is $1,000/mo, $275 covers the premium and $725/mo ($8,700/yr) goes into the HRA. Employees use it for doctor visits, prescriptions, therapy, and, with proper documentation, things like gym memberships, an Eight Sleep mattress, pilates classes, or a Whoop subscription.
We handle the rest.
The HRA collapses the deductible gap.
Once you’ve made your decision, we manage enrollment, coordinate with the carrier, and make sure your team is covered. And when renewal rolls around? We do the whole thing over again to make sure you’re still in the best spot.
The employee's real worst-case annual cost equals $10,600 (the deductible) minus whatever has accumulated in the HRA.
At $1,000/mo, that's $10,600 − $8,700 = $1,900 worst case — compared to $7,900 on a Gold plan.
At higher contribution levels the HRA exceeds the deductible entirely, meaning the employee is fully covered in any scenario and the surplus becomes a wellness spending account.
1
Set up an ICHRA instead of a group plan.
Rather than buying one group health insurance plan for everyone, the company sets a monthly budget per employee that they use to buy their own individual coverage.
A platform like Thatch handles the compliance and reimbursement. The money is tax-free for both the company and the employee.
2
Employees enroll in a catastrophic plan.
Employees under 30 are eligible for ACA catastrophic plans, which are priced off a separate, younger risk pool, not the community-rated pool that drives up premiums in New York.
The Ambetter catastrophic plan costs $275/mo versus $1k+ for the cheapest Gold. The plan covers all ten ACA essential health benefits, plus three free doctor visits per year and full preventive care.
3
The premium savings flow into an HRA.
Whatever the company's monthly budget exceeds the $275 catastrophic premium gets deposited into a company-funded HRA.
So if the budget is $1,000/mo, $275 covers the premium and $725/mo ($8,700/yr) goes into the HRA. Employees use it for doctor visits, prescriptions, therapy, and, with proper documentation, things like gym memberships, an Eight Sleep mattress, pilates classes, or a Whoop subscription.
4
The HRA collapses the deductible gap.
The employee's real worst-case annual cost equals $10,600 (the deductible) minus whatever has accumulated in the HRA.
At $1,000/mo, that's $10,600 − $8,700 = $1,900 worst case — compared to $7,900 on a Gold plan.
At higher contribution levels the HRA exceeds the deductible entirely, meaning the employee is fully covered in any scenario and the surplus becomes a wellness spending account.
Pre-tax wellness spending
Pre-tax wellness spending
What people are buying with their HRA dollars.
What people are buying with their HRA dollars.
Gym memberships, sleep tech, e-bikes, home fitness equipment. All eligible for pre-tax HRA spending after your team gets a Letter of Medical Necessity through Truemed. We handle the setup and walk your team through every step.
Gym memberships, sleep tech, e-bikes, home fitness equipment. All eligible for pre-tax HRA spending after your team gets a Letter of Medical Necessity through Truemed. We handle the setup and walk your team through every step.
Suzanne, 29
Product Designer
Lifetime Fitness membership in NoHo
$319/mo
Amazon Medical Subscription
$19/mo
Covered through HRA
Nikhil, 28
Chief Executive Officer
Whoop Subscription
$20/mo
Eight Sleep Mattress
$2,500
Covered through HRA
Matt, 23
GTM Lead
Hatch Restore 3
$170
Garmin Fenix 8 Pro
$899
Covered through HRA
Alexa, 26
Chief of Staff
Nike Strength Dumbbells
$80
ClassPass Membership
$99/mo
Infared Sauna
$595
Covered through HRA
Jake, 27
Software Engineer
Cotton Weighted Blanket
$195
Medical Bills
$1,300
Covered through HRA
Suzanne, 29
Product Designer
Lifetime Fitness membership in NoHo
$319/mo
Amazon Medical Subscription
$19/mo
Covered through HRA
Nikhil, 28
Chief Executive Officer
Whoop Subscription
$20/mo
Eight Sleep Mattress
$2,500
Covered through HRA
Matt, 23
GTM Lead
Hatch Restore 3
$170
Garmin Fenix 8 Pro
$899
Covered through HRA
Alexa, 26
Chief of Staff
Nike Strength Dumbbells
$80
ClassPass Membership
$99/mo
Infared Sauna
$595
Covered through HRA
Jake, 27
Software Engineer
Cotton Weighted Blanket
$195
Medical Bills
$1,300
Covered through HRA
See the numbers
See the numbers
Lower effective out-of-pocket than you'd expect. See how HRA accumulation changes the math.
Lower effective out-of-pocket than you'd expect. See how HRA accumulation changes the math.
Catastrophic plans are available to individuals under 30. Your ICHRA contribution covers the premium, and remaining dollars accumulate as HRA funds that can offset your team's deductible. Drag the sliders to model it for your company.
Catastrophic plans are available to individuals under 30. Your ICHRA contribution covers the premium, and remaining dollars accumulate as HRA funds that can offset your team's deductible. Drag the sliders to model it for your company.
See the numbers
See the numbers
3 free primary care visits/yr before deductible
100% preventive care (physicals, screenings, vaccines)
In-network: NYC Health + Hospitals, Northwell, CityMD
Model your plan
Monthly ICHRA contribution
$700
Employee monthly wellness spending (gym, sleep tech, etc.)
$50
Total employer cost per employee
Fidelis Catastrophic premium
Estimated out-of-pocket max after wellness spending
Catastrophic ICHRA through Corridor
$6,112
Typical NYC Silver Plan
$9,100
Catastrophic without HRA
$10,600
Unused HRA dollars roll over each year. Effective exposure keeps dropping.
The comparison
The comparison
Your team gets more and you pay less for it.
Your team gets more and you pay less for it.
Group plan
PEO
Catastrophic + HRA
Employer cost / employee / mo
$850–1,100+
$800–1,000+
From $745
What employees spend on
Doctor visits, Rx
Doctor visits, Rx
Premiums + gym, sleep tech, bikes, fitness, doctor visits, Rx
Admin
Weeks of paperwork
Bundled (their way)
Corridor handles everything
Multi-state teams
Painful
Limited
Built in
Wellness spending
Not coveredful
Not covered
Pre-tax through HRA
Employee choice
2–3 options
Take it or leave it
Each person picks their plan
Group plan
PEO
Catastrophic + HRA
Employer cost / employee / mo
$850–1,100+
$800–1,000+
From $745
What employees spend on
Doctor visits, Rx
Doctor visits, Rx
Premiums + gym, sleep tech, bikes, fitness, doctor visits, Rx
Admin
Weeks of paperwork
Bundled (their way)
Corridor handles everything
Multi-state teams
Painful
Limited
Built in
Wellness spending
Not coveredful
Not covered
Pre-tax through HRA
Employee choice
2–3 options
Take it or leave it
Each person picks their plan
Our team has helped 1,000+ companies adopt ICHRA.
Our team has helped 1,000+ companies adopt ICHRA.
You send us your roster. We design the strategy, handle the enrollment, and manage everything after.
You send us your roster. We design the strategy, handle the enrollment, and manage everything after.
“Corridor has been an absolute game-changer for Tether. Their expertise in benefits management has made them an indispensable part of our HR strategy.”
Gary Sahota
Founder, Tether Data
You're paying
$800+/mo
per
employee
for insurance
they barely use.
Group plans and PEOs are built for older, higher-utilization workforces. Your team is young, healthy, and spending more on Equinox than on doctor visits. There's a strategy designed for exactly this profile, and your employees walk away with more.
You're paying
$800+/mo
per
employee
for insurance
they barely use.
Group plans and PEOs are built for older, higher-utilization workforces. Your team is young, healthy, and spending more on Equinox than on doctor visits. There's a strategy designed for exactly this profile, and your employees walk away with more.
Give your team the best benefits they've ever had.
Send us your roster, we'll show you the numbers in minutes.
2026 Corridor Copyright
2026 Corridor Copyright
2026 Corridor Copyright