Funding intelligence
Start with the employer, census, geography, renewal and available population signals.
THE ADMINISTRATION MARKETPLACE
Choose the strategy.
Then choose the administrator.
ChoiceBenefits compares group, level-funded, self-funded and ICHRA / CHOICE paths first. When CHOICE belongs in the answer, we help the broker and employer evaluate the administration partner that fits the case—without forcing every employer onto one platform.
JANET + ChoiceBenefits
Compare the viable paths and organize the questions, assumptions and employee impact.
Administrator selection
Choose a preferred partner based on the actual case—not the loudest product pitch.
THE CHOICEBENEFITS ECOSYSTEM
One workforce. A complete benefits ecosystem.
Begin with one employer case. ChoiceBenefits compares the funding paths, organizes the available market and assembles medical, ancillary, account and administration partners around the workforce. The employer gets one coordinated strategy without being forced into one carrier or one platform.
PREFERRED CARRIERS
Group carrier paths
Quote traditional, level-funded or self-funded options where available.
Angle HealthCIGNA HEALTHCAREANTHEMUnitedHealthcareAetna CVS HealthGravieINDIVIDUAL HEALTH
Local carrier choice
Compare age-, ZIP- and market-specific individual coverage for CHOICE / ICHRA.
Anthem Blue Cross and Blue ShieldAmbetterOscar HealthFlorida BlueDenver Health Medical PlanKaiser PermanenteMolina HealthcareBlue Shield of CaliforniaRegional BCBS plansGravie
DENTAL + VISION + LIFE + ACCOUNTS
Complete the employee package
Wrap the medical strategy with benefits employees can shop, enroll in and use through one guided experience.
Delta DentalVSP Vision CareUnitedHealthOneWashington NationalNCD DentalEthos LifeFidelity HSASaga Health
PREFERRED ICHRA ADMINISTRATION
Select the operating partner
Compare administration, payroll connectivity, shopping, enrollment and service around the chosen strategy.
Instant ICHRAThatchNexbenFijoyaLeewayICHRA SystemsTASCKyra HealthGravie
DIRECT + VIRTUAL CARE
Add access to care—not another insurance card
Layer primary-care access around group or ICHRA / CHOICE coverage when the workforce, geography and employer strategy support it.
Hy-Vee Health Exemplar CareFirst Stop HealthKerixHealth
ADD THE CARE LAYER
Medical coverage is not the same as access to care.
Layer direct primary care or virtual care around Group, level-funded or ICHRA / CHOICE coverage. ChoiceBenefits intelligence helps organize the funding, contribution, geography and available population signals before the employer selects the care path.
CHOICEBENEFITS ADMINISTRATION PARTNERS
Preferred administrators. One independent decision process.
Select the partners you want compared. We confirm current service scope, pricing, payroll connectivity, enrollment support and market availability for every live case.
FAST PATH
SELF-ADMINISTRATION • DOCUMENTS-FIRST
Self Administration
For an employer that wants to operate its own CHOICE Arrangement, purchase the required document package first and keep the ongoing administrative responsibilities with the employer.
Employer remains responsible for:Eligibility + substantiationRequired noticesReimbursement recordsPayroll + payment coordinationPrivacy + record retention
01FULL-STACK ICHRA EXPERIENCE
Thatch
Thatch combines employer onboarding, individual-plan shopping, compliance documents, carrier payments, payroll deductions and employee support in one ICHRA platform. Its newer Marketplace extends the employer-funded balance beyond medical premiums into eligible health and wellness purchases.
Consider whenAn employer wants a polished allowance, shopping, payment and member-support experience with strong platform connectivity.
- Individual-plan selection plus a curated benefits Marketplace
- Thatch card and reimbursement workflows for eligible expenses
- APIs, embeddable components and QuickBooks connectivity
02ICHRA + BROKER INFRASTRUCTURE
Nexben
Nexben presents a full-service ICHRA administration platform for benefit consultants and employers, centered on health-benefit payments and plan administration. Its broader FMO operation also supports brokers across individual, Medicare, ancillary and group products.
Consider whenThe broker wants ICHRA administration connected to broader insurance-market and distribution support.
- Defined-contribution and employer-payment administration
- Benefit-consultant, employer and employee workflows
- Finch integration listed for HR and payroll connectivity
03ENGAGEMENT + PAYMENTS LAYER
Fijoya
Fijoya is a modular benefits-engagement platform built around policy-powered payments, personalized navigation and a broad health-and-wellness marketplace. It can operate as a standalone employee app or as a white-labeled infrastructure layer.
Consider whenThe strategy needs flexible-benefits navigation, smart-card payments and employee engagement around the medical arrangement.
- Real-time policy and eligibility validation at payment
- AI benefits assistant and personalized recommendations
- 200+ benefits across 30+ health and wellness categories
04HEALTH WALLET + ADMINISTRATION
Leeway
Leeway brings custom plan design, individual medical enrollment, expense approvals, compliance automation and benefits-spend management into one ICHRA experience. Its health wallet is designed to reduce employee out-of-pocket fronting for eligible premiums and medical expenses.
Consider whenAn employer prioritizes simplified payments, prefunded employee access and payroll or carrier integration.
- Personalized plan recommendations and enrollment help
- Qualified-expense controls and reimbursement approval flows
- Payroll integrations, consolidated billing and spending visibility
05BROKER-CONTROLLED ICHRA
ICHRA Systems
ICHRA Systems is structured around broker, referrer and employer portals. Its published broker model emphasizes keeping the agent involved in enrollment, preserving the AOR and carrier commissions, and allowing the broker to establish an agent fee.
Consider whenThe broker wants a hands-on, broker-led operating model rather than transferring the client relationship to a consumer-facing platform.
- Broker and employer portals plus certification resources
- Individual-versus-small-group rate heat maps
- Payment workflow for larger ICHRA accounts
06ADMINISTRATION + COMPLIANCE
TASC
TASC offers ICHRA administration within a much broader benefits-administration organization. Its ICHRA materials emphasize individual-premium and eligible-medical-expense reimbursement, substantiation, compliance support and scalable administration for employers of different sizes.
Consider whenThe employer values an established national administrator and may also need COBRA, FSA, HSA, ACA or other account-based services.
- ICHRA reimbursement administration and substantiation
- Compliance-focused documentation and operational support
- Broader benefits-account and employer-compliance ecosystem
07DATA-GUIDED, YEAR-ROUND ICHRA
Kyra Health
Kyra positions itself as an end-to-end ICHRA platform extending beyond setup and open enrollment. Its published model spans contribution design, quoting, enrollment, compliance, payroll and HRIS connections, financial reporting and year-round employee advocacy.
Consider whenThe employer wants a data-guided plan-selection experience with ongoing benefits support after enrollment.
- Provider, prescription and expected-care inputs for plan guidance
- Integrated quoting, contribution modeling and enrollment
- Year-round licensed support plus dental, vision and benefits-hub options
FAST-LAUNCH ICHRA PATHInstant ICHRA
A streamlined ChoiceBenefits and ICHRA Shop launch path for employers that need compliant plan setup, employee shopping and ongoing administration without an oversized platform commitment.
Consider whenThe employer wants to move quickly, control administration cost and preserve a guided broker-led experience.
- Administered path starting at $12 PEPM, plus applicable setup or annual fees
- Employee shopping, enrollment and payment coordination
- Separate document-only path for employers prepared to self-administer
+CHOICEBENEFITS ORCHESTRATION
Keep the intelligence independent.
The selected administrator runs its contracted functions. ChoiceBenefits keeps the funding analysis, comparison, benefits configuration and implementation roadmap connected.
See the complete strategyChoiceBenefits works with these administration partners and can evaluate more than one partner approach for a client case. The exact configuration, pricing, responsibilities and data connections are confirmed for each employer before implementation.
THE MODULAR CHOICE STACK
Use the best approach from more than one partner.
ChoiceBenefits can coordinate specialized partner capabilities—or a documents-first self-administration path—instead of forcing every employer to buy every function from one company.
ChoiceBenefits + JANET
Funding comparison, intelligence and contribution design.
Level, Self or ICHRA
The path that fits the employer or permitted class.
Partner or self-administered
Select a preferred TPA or retain the work internally with the correct documents.
Shopping + enrollment
The approved employee experience that fits the workforce.
Documents + payments
Compliance, payroll and payment services around the arrangement.
One employer experience. Multiple specialized paths.ChoiceBenefits documents the handoffs so the model stays connected.