01 / INDIVIDUAL COVERAGE
ICHRA / CHOICE
Set your contribution. Give employees individual-plan choice.
- Employer setup
- Contribution design
- Enrollment support
CHOICEBenefits.ai / Funding Intelligence & Optimization
Understand your workforce.
Optimize your benefits strategy.
Predictive Risk Intelligence connects population, medical and pharmacy signals with the benefits funding decision. Compare group health insurance, level-funded, self-funded and ICHRA / CHOICE strategies—then design contributions and choose the partners to deliver them.
For brokers ready to bring a more intelligent proposal to clients. Broker Pro starts at $295 per agency / month. Reports are purchased separately.
Employer or live client case? Start a risk & funding analysis →
Workforce intelligence → Employer strategy → Employee experienceQUOTE → MEASURE → PREDICT → DECIDE
02 / GROUP COVERAGE
Level-funded
Explore a group plan with predictable monthly funding.
- Carrier options
- Census review
- Funding comparison
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.
One intelligence foundation
Three connected decisions.
One benefits strategy.
Use the analysis to decide how to fund the program, where to put the employer's dollars and which partners can deliver the design.
CHOICEFunding Intelligence
Put workforce risk into the funding decision.
Evaluate fully insured, level-funded, self-funded and ICHRA / CHOICE options using population intelligence, available quotes, employer costs and employee impact.
- Renewal and alternative funding comparisons
- Market availability and employee disruption
- Risk, fees and implementation tradeoffs
CHOICEContributions
Make every contribution more intentional.
Model employer funding across permitted classes and locations. Compare affordability, household costs and renewal scenarios to understand where the benefits budget delivers value.
- Employee and family contribution scenarios
- Geographic and permitted-class comparisons
- Total employer cost and employee impact
CHOICEVendors
Match the partners to the recommendation.
Evaluate administrators and service partners against the approved strategy. Compare fees, payment capabilities, employee shopping, payroll connections and support before implementation.
- Administration and service scope
- Total fees and payment requirements
- Employee experience and ongoing support
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.