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.

Benefits that work
for your business.
And your people.

Get a clearer benefits strategy with JANET. Set the budget, choose the benefits, and give your employees more of what they want.

PLAN WITH JANET→BUILD YOUR BENEFITS→BRING THEM TO LIFE

Build Better Benefits →Start employer setup ↗

Perks for real life ↗

Health benefits ↗

More possibilities ↗

CHOICE PERKS$20 / employee / month PERKS + ICHRA$40 / employee / month

Employer strategy, employee choice, one connected experience. Your budget choices carry into employer setup. Final plan terms and tax treatment require review.

CHOICE BENEFITSYOUR BENEFITS BUDGET BUILDER

YOUR EMPLOYER DASHBOARD

Build your benefits budget.

YOUR LIVE SETUP

EmployeesMedical budget / employee / month ($)Other benefits budget / employee / month ($)

Your starting budget: medical + other benefits for each employee. Selected benefits use the other-benefits budget; administration and reports are separate.

Employees receiving benefits0

Monthly employer budget$0

Annual employer budget$0

ICHRA + voluntary benefits + Choice PerksOne interactive employer budget

Benefits-eligible employeesEmployees covered in this estimate

Employer medical contribution / covered employee / month

ICHRA / CHOICE: model an employer allowance. Final plan design and affordability require review.

Monthly dependent funding · totalOther monthly administration · total

Voluntary benefits + everyday perks.

Choose benefits, then enter your monthly employer contribution per covered employee. $0 means employee-paid; premium costs are not quoted here.

Choice Perks package

Choose a package to include administration. Allowances and voluntary benefit contributions are separate.

LSA + HSA / EMPLOYER TAX VIEW

See the support. Understand the tax impact.

LSA · Lifestyle Spending AccountEveryday lifestyle support. Generally taxable pay; employer payroll taxes can apply.

HSA · Health Savings AccountEmployee-owned health savings. Qualified contributions can be excluded from payroll taxes, subject to eligibility and contribution limits.

This view uses only the HSA and LSA contributions entered above, assuming full use over 12 months. It does not reduce your invoice or automatically change the main budget.

Effective business income-tax rate (%)Modeled employer FICA rate (%)HSA-qualified employees for tax comparison

Annual LSA contributions$0

Annual HSA contributions$0

Estimated LSA employer payroll-tax cost$0

HSA employer FICA avoided vs. equal taxable cash pay$0

Illustrative income-tax deduction effectEnter your rate

Illustrative after-tax HSA + LSA costEnter your rate

Assumptions and tax rules

Income-tax effect = (annual HSA + LSA contributions + modeled LSA employer FICA) × your effective income-tax rate, assuming these amounts are deductible and the deduction is usable. Net cost subtracts that effect. It excludes administration, report fees and other benefits. Deductions may also apply to ordinary wages; this is not an additional savings claim over salary.

HSA FICA comparison = monthly HSA contribution × confirmed HSA-qualified employees × 12 × modeled employer FICA rate. This comparison is shown separately and is not subtracted again from net cost. Confirm qualifying coverage, HRA compatibility, annual contribution limits across all sources, nondiscrimination and owner rules. No eligibility or contribution-limit validation is performed here.

The 7.65% FICA assumption combines 6.2% Social Security and 1.45% Medicare; actual avoided taxes depend on wage bases. Adjust for your workforce. FUTA, state/local taxes, timing and employee taxes are excluded. LSA reimbursements are treated as taxable; specific exclusions require review. State HSA treatment may differ. For pass-through entities use the advisor-confirmed applicable rate.

IRS fringe-benefit and HSA guidance ↗ · IRS business expense guidance ↗

Optional employer contributions $0 / month

Assumes the same covered employee count for each selected benefit. HSA eligibility, tax treatment and plan compatibility need separate review.

A little more perspective. A clearer total.

Benefits stay at the center. Add annual employer costs below to estimate benefits + comp TCOR. Exclude amounts already counted in benefits.

Workers’ comp premium / yearRetained claims + indirect losses / yearExtra admin + risk control / yearExtra taxes + fees / year

Add Risk Intelligence.

$3.50 per match · $1,000 minimum per report. One-time report fee, separate from recurring administration and allowances.

Matches to include (0 = no report)

No report selected.

Benefits + comp · incomplete—Confirm the additional annual costs.

Open the full TCOR comparison →

How this estimate works

Annual employer benefits budget = [(covered employees × monthly medical contribution) + total dependent funding + covered employees × the greater of the other-benefits starting budget or selected optional contributions + total monthly benefits administration fees] × 12. Broker Annual Fee is paid directly to the broker and excluded. No carrier rates, subsidies or claim forecasts are used. Medical funding choices change the context, not the calculation or an asserted savings result.

TCOR adds comp premiums, retained and indirect losses, extra administration/risk control and taxes/fees once. This is a benefits and comp estimate, not enterprise-wide TCOR. Your draft is saved in this browser. Continuing to employer setup carries your selected budget and benefits into your company workspace after you sign in and save the company. If you ask JANET a question, the displayed aggregate totals are sent with it to the AI service. Enter your own employee counts and contributions. These inputs are an employer budget, not carrier rates or an approved plan. Choice Perks administration is eligible employees × selected package rate and is added separately. Your selections are submitted with company setup after sign-in.

ONE EMPLOYER STRATEGY.A whole world of employee choice.

Medical coverage, lifestyle perks and employer funding—connected from the first question to employee launch.

Explore the employer experience →

THE CHOICEBENEFITS EXPERIENCE

Smart planning.
Benefits people want to use.

Clear roles. One connected journey.
From your budget to their everyday life.

FOR EMPLOYERS / JANET™

Your AI benefits advisor.

Explore funding options, understand contribution choices, model your budget and find the next practical step.

Plan with JANET →

FOR YOUR PEOPLE / CHOICE PERKS

Their life. Their kind of benefits.

Pets, wellbeing, family and everyday adventures. A shopping experience built around the benefits your company chooses.

Explore Choice Perks →

MEET JANET / YOUR AI BENEFITS ADVISOR

What would you like
to make better?

Start with a question. JANET can help you think through funding, budgets and the benefits experience you want to create.

Ready for a better benefits lineup? Build Better Benefits →

JANET™AI employer benefits planning

CHECKING AVAILABILITY

ONE CENSUS. EVERY FUNDING PATH.

Keep the strategy open.
Make the next step clear.

Compare the paths that fit your workforce.
Then connect coverage and lifestyle benefits.

01 / FULLY INSURED

Keep what works.

Review traditional group coverage alongside your renewal, contribution and employee needs.

Explore group benefits ↗02 / LEVEL & SELF FUNDED

Understand the tradeoffs.

Review funding structure, fixed costs and retained risk with your licensed advisory team.

Explore funding options ↗03 / ICHRA + CHOICE PERKS

Fund more choice.

Plan individual coverage reimbursement alongside an employer-selected lifestyle benefits menu.

Start ICHRA + perks ↗

NEED A DEEPER WORKFORCE PICTURE?Workforce Intelligence, predictive risk and total cost of risk →For employers and brokers evaluating the bigger funding decision.

BENEFITS FOR THE WAY PEOPLE LIVE

Happy dogs.
Healthier habits.
More good days.

Your people bring their whole lives to work. Give them a benefits experience that recognizes it.

Visit the Choice Perks marketplace →

START SIMPLE. BUILD FROM THERE.

Choose your starting point.

Transparent administration pricing.
Employer contributions and premiums are separate.

LIFESTYLE BENEFITS

Choice Perks

$20 / eligible employee / month

Your perks menu, employer configuration and LSA administration.

Start Choice Perks →

HEALTH + LIFESTYLE

Choice Perks + ICHRA

$40 / eligible employee / month

Individual coverage HRA administration and lifestyle perks in one connected experience.

Start ICHRA + Perks →

COMPARE YOUR OPTIONS

Start with a conversation.

Keeping group coverage? Exploring other funding? Work with JANET and the licensed team to define your next step.

Ask JANET →Broker partnership ↗

Company details → verified account → census → benefits → implementation review. Company-specific invoices are required. Employee activation, insurance enrollment, merchant purchases and reimbursement processing require the applicable setup and approvals.