StretchDollar simplifies health benefits for small businesses by offering a free platform where employers can set a pre-tax monthly budget for employees to purchase individual health insurance plans. Employees receive expert guidance in selecting plans, and the process takes just 10 minutes to set up. The target audience is small businesses, particularly those with fewer than 50 employees. StretchDollar's unique selling proposition is its ability to provide customized health benefits quickly and at no cost, leveraging Individual Coverage Health Reimbursement Arrangements (ICHRAs) to make healthcare more accessible and affordable for small businesses and their employees[1][4][5].