Direct CHOICE Arrangement administration • Choice Benefits platform • From $12 PEPM
The benefits platform built around choice

Choose the funding.
Choose the benefits.

Configure traditional group insurance, an ICHRA/CHOICE Arrangement, employee classes and a complete benefits package through one employer-controlled contribution strategy.

Start a Census-Based QuoteBuild My Benefits
Group + ICHRAMedical + ancillaryWorkers’ compPayroll-ready
From census to employee choice

One guided path to the right funding strategy.

ChoiceBenefits.ai connects employer inputs, Predictive Risk Intelligence, funding recommendations and employee shopping in one experience.

01
↑

Employer builds the case

Upload the census, add basic group information and set the current benefits budget.

CensusGroup detailsBudget
02
＋

Choose the benefits

Select which benefits the employer wants to fund and how much to contribute for employees and families.

MedicalDentalVisionLifeHSA
03
AI

System recommends the design

Scoring helps configure the funding arrangement, identify potential ICHRA carve-outs and establish recommended plan benchmarks.

Risk scoreClassesCarve-outsBenchmarks
04
✓

Employees shop and enroll

Employees can shop all available benefits, split family members across plans or enroll the entire family together.

Split plansWhole familyFree Fidelity HSA
THE OUTPUTRecommended funding, classes, plans and contributions

Group and ICHRA comparisons are paired with workforce risk, geography and employer goals—then carried into the employee shopping experience.

The ICHRA Shop provides the consulting and analysis. ChoiceBenefits.ai turns it into an employer strategy and an employee experience.

Upload a census and beginPreview employee shopping
One accountable benefits journey

Build. Launch. Shop. Manage.

Choice Benefits stays with the employer from the first budget comparison through plan documents, employee enrollment, reimbursements and renewal.

01BuildSet the employer budget, allowances, classes and geography.02LaunchConfirm the design and begin secure implementation.03ShopEmployees use their employer-issued link to enroll.04ManageCoordinate documents, funding, notices and ongoing administration.
One strategy across the benefits market

Individual, group and ancillary carriers—together.

Choice Benefits is being built to compare the medical funding strategy first, then connect employees and employers to the carrier options that fit the final design.

Not every workforce needs the same answer.
Keep group coverage, move to individual choice, use eligible employee classes—or combine the approaches.

Individual medical

I

ACA individual and family plans available by employee ZIP code, age and effective date.

Anthem / BCBSKaiserUnitedHealthcareOscarAmbetterMolina
Shop individual benefits

Group medical

G

Traditional and alternative group options evaluated alongside CHOICE—not in a separate conversation.

CignaAnthemUnitedHealthcareKaiserAetnaBlue Cross Blue Shield
Compare group + CHOICE

Ancillary + protection

+

Benefits that expand the package beyond medical and support the employee’s complete benefits budget.

UnitedHealthOneNCD DentalFidelity HSAEthos LifeAmazon One MedicalBene-shop
Explore ancillary benefits

Carrier, product and plan availability varies by state, employer size, eligibility, ZIP code, rating area and effective date. Listed companies illustrate options that may be evaluated or accessed; inclusion does not guarantee availability or imply carrier sponsorship.

From enrollment to payroll

Keep eligibility, contributions and deductions moving.

Choice Benefits prepares the connection between the employer’s benefits configuration and its payroll workflow—through an approved API, secure file exchange, SFTP or payroll-ready export.

Set up payroll integration →
ADPPaycomPaylocityWorkdayConnection method depends on payroll-vendor access and employer authorization.
Built for employers of different sizesUnder 50: start with the budget and compare a simpler defined-contribution path. 50+: build around employee affordability, classes and lowest-cost-Silver guardrails.Build the budget →Review the CHOICE guide →
Choose your path

Employers build. Employees shop. Brokers advise.

HR

Build the employer plan

Compare today’s cost, set employee and family allowances, define classes and build a five-year contribution strategy.

$12 per enrolled employee per month
plus the selected annual service fee.

Build my budget
E

Shop employee benefits

Use the employer’s enrollment link and allowance to compare medical coverage first, then add available benefits.

Open the marketplace
B

Support a broker’s client

Compare administrators, preserve the broker relationship and add independent market and implementation support.

Open Broker Support

Launch in three clear steps.

1

Set allowances

Choose employee, spouse and dependent contributions, classes and geography.

Configure the plan →
Easy for employers. Clear for employees.

One connected path from plan design to enrollment.

Model the employer contribution, prepare the plan, invite employees and give every person a straightforward shopping experience with live support when they need it.

Start employer setupExplore benefits
Transparent employer pricing
$12 PEPM plus an annual service package.
Easy shopping and enrollment
One place to compare coverage, choose benefits and complete enrollment.
Real human support
Virtual 1:1, group and live enrollment help.