Build a better benefits strategy.
Compare funding paths, shape your budget and connect employee enrollment support.
Build my employer strategy →CHOICE BENEFITS / POWERED BY JANET™
Smarter Benefits.
Smarter Workforce Decisions.
One workforce. More ways to build a stronger benefits strategy. Connect medical funding, voluntary benefits and workers’ compensation with the intelligence behind the decision.
EXPLORE WORKFORCE INTELLIGENCE™See the whole workforce picture Connect benefits, risk and funding decisions with JANET™.Bring more value. Win more business.
Give clients a stronger reason to choose you. Bring benefits and workforce intelligence into your next proposal with Broker Pro.
Subscribe to Broker Pro →$295 / agency / month · includes one broker. Reports purchased separately.
Measure costs → Compare strategies → Prioritize actionQUOTE → MEASURE → PREDICT → DECIDE
THE PLAN CAN CHANGE. THE SUPPORT STAYS CONNECTED.Different health plans.
See how enrollment connects ↓Different health plans.
One connected benefits experience.
ICHRA, level-funded or traditional group: CHOICE helps connect employer setup, employee education and enrollment support. Your employees have a place to turn for help, whichever funding path you choose.
ICHRA / CHOICELevel-fundedTraditional group
ONE EMPLOYER STRATEGY. ONE EMPLOYEE SUPPORT EXPERIENCE.
We help you choose the plan.
Then help your people enroll.
Funding is the employer’s decision. Understanding and using benefits is the employee’s experience. CHOICE supports both.
A connected launch.
- Coordinate the census, contribution strategy and selected benefits.
- Plan employee communications and enrollment meetings.
- Add enrollment support, documents and compliance services for your plan.
Help from questions to enrollment.
- Understand the employer’s offering and available plan choices.
- Get enrollment meeting support and confidential one-on-one guidance.
- Get help completing the applicable carrier or administrator enrollment steps.
The right plan. Familiar support.
ICHRA / CHOICEHelp with individual-plan shopping and enrollment.
Level-funded + groupHelp employees understand the employer’s plan options and complete enrollment.
Add enrollment support →Enrollment support is scoped for each employer. Available plans, carrier or administrator systems, producer licensing, service fees and required employee permissions are confirmed before launch.
COMPARE · BUILD · LAUNCH
One workforce. Every funding option.
Small group, Angle, Nationwide or Instant CHOICE. Build the employer budget, add enrollment support, then select the documents and compliance your plan needs.
01 / INDIVIDUAL COVERAGE
ICHRA / CHOICE
Set your contribution. Give employees individual-plan choice.
- Employer setup
- Contribution design
- Enrollment support
02 / GROUP COVERAGE
Level-funded
Explore group funding with employee education and enrollment support.
- Carrier options
- Census review
- Employee enrollment support
03 / HR + BENEFITS
PEO
Bring payroll, HR and employee benefits together.
- Partner comparison
- Benefits review
- Implementation planning
PUT THE RIGHT SUPPORT BEHIND ITYour plan.
Your essentials.
Your essentials.
Buy the documents and compliance services your employer needs.
Make the plan official.
ICHRA, ERISA Wrap + SPD, Section 125 and other employer plan documents.
Buy DocumentsKeep the work moving.
COBRA administration, ACA reporting and annual filing support.
Buy Compliance ServicesThe intelligence behind your next move
Bring the workforce into the funding conversation.
Who is covered, where they live and what the available health and pharmacy signals reveal all help shape the benefits decision. Predictive Risk Intelligence brings those questions into focus before you commit to a strategy.
ChoiceBenefits.ai connects the findings to self-funded and level-funded comparisons, contribution modeling and vendor evaluation. Add a separately scoped workers’ compensation review using loss runs, payroll, classifications and experience modifiers.
Explore Predictive Risk Intelligence →Population profile
Understand demographics, geography, participation and household composition using the supplied census.
Medical + pharmacy
Evaluate authorized condition, prescription and potential high-cost signals. Identify questions for deeper carrier, network or formulary review.
Funding implications
Bring the findings together with available market quotes, employer costs, employee impact and funding-risk considerations.
Confidence + action
See data gaps, match quality, assumptions and recommended next steps alongside the findings.
Employer reporting uses appropriately protected aggregate findings. Individual health information is protected; health status does not determine employee eligibility, benefits or classes.
THE WORKFORCE INTELLIGENCE™ FRAMEWORKSix levers. One employer.
Six levers. One employer.
One total cost of risk.
A lower medical premium is one part of the story. Explore six connected areas to understand where a strategy reduces cost—and where it may move cost somewhere else.
Look across the employer’s costs. These are six decision areas—not six extra expenses to add together. Use consistent populations, periods and cost definitions. Health findings do not establish occupational injury risk or determine employee eligibility.
Connect the levers to your cost picture →A clear path to the recommendation
Quote. Measure. Predict. Decide.
Start with one employer case. Build the evidence, understand the tradeoffs and move forward with a defined next step.
01 / QUOTE
Bring your census, current benefits and renewal. Identify the available funding paths to compare.
02 / MEASURE
Establish employer costs, employee impact, participation, geography and market benchmarks.
03 / PREDICT
Evaluate authorized population, medical and pharmacy signals, including data quality and limitations.
04 / DECIDE
Choose the funding, contributions and partners with an evidence-based recommendation and implementation plan.
Your decision brief: funding comparison · contribution scenarios · employee impact · vendor considerations · assumptions and next steps. Final scope is confirmed for your case.
Before you begin
Clear answers.
A stronger starting point.
Understand the analysis, the process and the role of ICHRA / CHOICE in the recommendation.
What is Predictive Risk Intelligence?
Predictive Risk Intelligence evaluates available population, medical and pharmacy signals alongside market and cost information to support an employer's benefits funding decision. Analysis scope depends on authorized data, availability and match quality. Projections are decision support, not guaranteed future claims or savings.
Do you only recommend ICHRA / CHOICE?
No. We evaluate available fully insured, level-funded, self-funded and ICHRA / CHOICE paths, including permitted class-based strategies where appropriate. The recommendation considers the employer's workforce, market, budget and risk tolerance.
What do I need to start a risk and funding analysis?
Begin with the employer's information and the census, current benefits and renewal you have available. The team confirms scope, authorizations, secure data requirements and pricing before analysis begins. Do not upload claims, diagnoses, medical records or Social Security numbers to the general new-business form.
Can a broker submit a client and stay involved?
Yes. Identify yourself as a broker in the new-business form. Your contact and role stay attached to the request so the team can coordinate the analysis and next steps with you. Individual employee enrollment permissions remain separate.
Is a CHOICE Arrangement the same as an ICHRA?
CHOICE Arrangement is the newer public-facing term used in federal employer materials for the individual coverage HRA commonly called ICHRA. Governing rules, plan documents, disclosures and tax reporting may still use ICHRA or Individual Coverage HRA.
Who provides licensed insurance support?
Insurance products are offered through The ICHRA Shop Insurance Agency and appropriately licensed insurance producers. ChoiceBenefits.ai connects the strategy, configuration, shopping and enrollment experience.
A DEDICATED MEDICARE PATH
Medicare deserves its own conversation.
Explore Medicare Advantage, Medicare Supplement and prescription-drug coverage through our ClearMatch referral link. A licensed ClearMatch agent can help with plan comparisons and enrollment questions.
Open Medicare referral center →Go directly to ClearMatch ↗Use our dedicated partner link to start your referral.
Bring intelligence to your next benefits decision
What could a deeper understanding of your workforce change?
Bring your census, current benefits and renewal. We'll confirm the analysis scope, required authorizations, available data and pricing before work begins.
Start with what you have. No separate email is required to submit the initial case. Sensitive health information follows a separately approved secure process.
Here to shop your own benefits? Go directly to employee shopping →
Analysis depends on authorized data, match quality and project scope. Projections do not guarantee claims, savings, coverage or underwriting outcomes. Employer reporting uses appropriately protected aggregate findings; individual health information is protected. Product availability, contribution rules, HRA/HSA compatibility, vendor scope and enrollment requirements must be confirmed for the actual case. Insurance products are offered through The ICHRA Shop Insurance Agency and appropriately licensed producers.