CHOICEBenefits.ai / Funding Intelligence & Optimization
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 →
For brokers / Build a stronger proposal
Give employers a recommendation they can understand—and give your agency a stronger reason to be chosen.
A rate quote starts the conversation. CHOICE brings workforce risk, funding comparisons, contribution design and vendor tradeoffs into the proposal. Help clients understand what you recommend, why it fits and how to put it into action.
The intelligence behind your next move
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 funding comparisons, contribution modeling, vendor evaluation and employee enrollment.
Explore Predictive Risk Intelligence →Understand demographics, geography, participation and household composition using the supplied census.
Evaluate authorized condition, prescription and potential high-cost signals. Identify questions for deeper carrier, network or formulary review.
Bring the findings together with available market quotes, employer costs, employee impact and funding-risk considerations.
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
Use the analysis to decide how to fund the program, where to put the employer's dollars and which partners can deliver the design.
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.
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.
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.
A clear path to the recommendation
Start with one employer case. Build the evidence, understand the tradeoffs and move forward with a defined next step.
Bring your census, current benefits and renewal. Identify the available funding paths to compare.
Establish employer costs, employee impact, participation, geography and market benchmarks.
Evaluate authorized population, medical and pharmacy signals, including data quality and limitations.
Choose the funding, contributions and partners with an evidence-based recommendation and implementation plan.
From insight to enrollment
Translate the approved recommendation into a coordinated employer launch and an employee shopping experience—with licensed support when employees need help.
Coordinate the selected funding strategy, contributions, partner responsibilities and implementation requirements.
Connect communications, available plan shopping and appropriately licensed enrollment assistance. Carrier and partner workflows complete applicable enrollment steps.
Revisit market conditions, contribution impact and available workforce intelligence as the program evolves.
Your AI Benefits Intelligence Advisor
Explore the findings, understand assumptions and compare next steps—with human expertise available when the decision needs it.
Better questions. Clearer answers. Smarter benefits.
Talk through your next decision →Before you begin
Understand the analysis, the process and the role of ICHRA / CHOICE in the recommendation.
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.
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.
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.
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.
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.
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.
Bring intelligence to your next benefits decision
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.
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.