Quote the employer
Use one census, the current plan, renewal and budget to see every viable path.
TWO DOORS · ONE BENEFITS JOURNEY
THE BENEFITS OPERATING SYSTEM FOR EMPLOYERS + BROKERS
Compare every funding path.
Build benefits that fit.
- Compare fundingSee group, self-funded and ICHRA / CHOICE side by side.
- Check employee impactTest contributions, local plans and projected employee costs.
- Build the packageAdd medical, HSAs and voluntary benefits around the chosen strategy.
- Enroll and renewConnect shopping, human support and the next renewal.
Optional consulting is available separately through The ICHRA Shop.
Funding firstOne employer + employee experience
JANET™AI BENEFITS CONSULTANT
The Choice Benefits roadmap
From the first quote to the complete benefits experience.
Employers and brokers start in the same place: understand the options, choose the funding, add the benefits employees value and move directly into enrollment and administration.
Add risk intelligence
When needed, add claims, Rx and projected population risk before making the decision.
Choose the funding
Compare fully insured, level- or self-funded, CHOICE/ICHRA and permitted class strategies.
Build the benefits
Add CHOICE Arrangements, HSA/FSA/HRA accounts, dental, vision, life and voluntary benefits.
Enroll + administer
Give employees one shopping experience, then manage contributions, enrollment and renewal.
POPULATION HEALTH INTELLIGENCE™
The data behind the quote becomes visible.
The basic quote uses census and market data. Add Predictive Risk Intelligence to layer aggregate, de-identified medical and pharmacy signals over the quote before the funding recommendation is made.
See the intelligence report →EVERY QUOTECensus + dependentsHome ZIP + geographyCurrent plan + renewalEmployer contributionsAffordability + participation
ADD PREDICTIVE RISK INTELLIGENCEComposite risk scoreHigh-cost claimant rangesPrescription + specialty RxConditions + morbidityTransplant + catastrophic signals12-month projected riskData match confidence
WHAT THE REPORT DELIVERSClaims. Rx. Specialty Rx. Morbidity. One picture.Aggregate, de-identified employer decision intelligence.
RECOMMENDED OUTPUTOne employer strategy
Risk intelligence supports an aggregate employer funding decision. It is not used to determine an individual employee’s eligibility or benefits.
NEW · 2027 ICHRA renewal modeling: Balance geographic allowances and validate every row →
YOUR AI BENEFITS CONSULTANT
Meet JANET™
JANET is the AI Benefits Consultant powered by the ChoiceBenefits intelligence engine.
Traditional Group. Level-Funded. Self-Funded. Captives. CHOICE. HRAs. Voluntary Benefits.
JANET helps bring the intelligence together.JANET // BENEFITS INTELLIGENCEDEMONSTRATION
Ask a better question before choosing the product.
›Compare our renewal against the other funding paths.
CENSUSRISKFUNDINGENROLLMENT
FOR EMPLOYEES AND INDIVIDUAL SHOPPERS
Just shop benefits.
Buying benefits should be as easy as buying groceries.
Skip employer setup and go straight to the store. Search, compare and build a personal package across medical, short-term medical, Medicare, dental, vision, life, supplemental coverage, HSA and everyday care.
Enter the benefits marketplace →Group + CHOICE + ancillary
Configure the plan—or supercharge the decision.
Start with a standard benefits configuration. Then add de-identified medical and pharmacy intelligence when the employer wants a deeper view of workforce risk.
STANDARDBenefits Configuration
Bring every benefit into one plan.
Compare traditional group insurance with an ICHRA/CHOICE Arrangement, set employer contributions and add ancillary benefits around the workforce.
Group medicalICHRA / CHOICEDental + visionLife + disabilityVoluntary benefitsWorkers’ comp
Configure the standard plan →
SUPERCHARGEDPredictive Risk Intelligence
Use real risk signals before choosing the funding.
For groups starting at five eligible employees, appropriately authorized, de-identified medical and Rx data can reveal high-cost exposure and help test All Group, CHOICE Only or a compliant combination.
Medical riskNamed specialty RxHigh-cost exposureParticipationGeographyClass opportunity
5+eligible employees
to begin analysis
Explore Risk Intelligence + calculator →
to begin analysis
01
Employer builds the case
Upload the census, add basic group information and set the current benefits budget.
02
Choose the benefits
Select which benefits the employer wants to fund and how much to contribute for employees and families.
03
System recommends the design
Scoring helps configure the funding arrangement, identify potential ICHRA carve-outs and establish recommended plan benchmarks.
04
Employees shop and enroll
Employees can shop all available benefits, split family members across plans or enroll the entire family together.
ONE COMPLETE OUTPUTGroup, CHOICE and ancillary—configured together
Choose the standard configuration or add Risk Intelligence. Either path produces a clear funding comparison, employer contribution strategy, benefits package and employee shopping experience.
The ICHRA Shop provides the consulting and analysis. ChoiceBenefits.ai turns it into an employer strategy and an employee experience.
What makes Choice Benefits different
We start with the employer decision—not a predetermined product.
One census becomes a side-by-side funding recommendation and, when the employer is ready, a connected employee shopping experience.
Every funding arrangement
Compare fully insured group, level- or self-funded coverage, an ICHRA / CHOICE Arrangement, or a permitted combination.
Strategy before administrator
Set the contribution, reimbursement and service model first. Then evaluate the administrators and vendors that fit it.
Built through enrollment
Turn the employer recommendation into family-level plan shopping, split-plan decisions, ancillary benefits and live enrollment help.
Predictive Risk Intelligence
Add de-identified claims, prescription and specialty-drug insight when the funding decision needs a deeper view of risk.
See what the analysis delivers →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.
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.
Individual medical
IACA individual and family plans available by employee ZIP code, age and effective date.
Anthem / BCBSKaiserUnitedHealthcareOscarAmbetterMolina
Shop individual benefits
Group medical
GTraditional 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 LifeBene-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.
E
Shop employee benefits
Use the employer’s enrollment link and allowance to compare medical coverage first, then add available benefits.
Open the marketplaceB
Support a broker’s client
Compare administrators, preserve the broker relationship and add independent market and implementation support.
Open Broker SupportLaunch in three clear steps.
1
Set allowances
Choose employee, spouse and dependent contributions, classes and geography.
Configure the plan →2
Price and document
Review administration, annual service level and the simplified compliance package.
View transparent pricing →3
Invite employees
Share the enrollment link for benefits shopping, payment guidance and live help.
See employee enrollment →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.
Transparent employer pricing
$12 PEPM plus an annual service package.
$12 PEPM plus an annual service package.
Easy shopping and enrollment
One place to compare coverage, choose benefits and complete enrollment.
One place to compare coverage, choose benefits and complete enrollment.
Real human support
Virtual 1:1, group and live enrollment help.
Virtual 1:1, group and live enrollment help.
Clear answers
ICHRA and CHOICE Arrangement questions.
Choice Benefits separates the employer’s funding decision from vendor selection and employee shopping.
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.
Does Choice Benefits start with an ICHRA vendor?
No. We begin with the employer census and compare ICHRA or CHOICE, fully insured group, level-funded, self-funded and permitted class strategies. Vendor selection follows the funding recommendation.
Can employees shop medical and ancillary benefits together?
Yes. After the employer selects the funding strategy, employees can shop medical coverage and ancillary benefits in one connected experience, with enrollment support when included.
Who provides licensed insurance support?
Insurance products are offered through The ICHRA Shop Insurance Agency and appropriately licensed insurance producers. Choice Benefits provides the connected strategy, configuration, shopping and enrollment experience.