Use one census to compare traditional Group insurance, a CHOICE Arrangement formerly known as ICHRA, and compliant blended strategies. Keep the client relationship while we support analysis, implementation and enrollment.
Choose the support your agency needs. Both paths keep the broker at the center of the client relationship.
Bring a group. Keep your client relationship.
No subscription required. Placement compensation and service responsibilities are agreed separately.
One broker included. Add brokers for $100 each/month.
Subscription setup is handled by our team. No charge from this page.
Saved client scenarios, agency-branded proposals, renewal tracking and shared team access are part of the pilot scope. Confirm available features in your service agreement before billing.
Adjust brokers, report volume and annual account revenue below.
AOR = one agent-of-record client account. Enter annual commissions, overrides and service fees retained after broker splits and direct servicing costs. No assumed account value.
| Annual expense | Without Pro | With Pro |
|---|---|---|
| Subscription | $0 | $3,540 |
| Intelligence reports | $1,250 | $1,000 |
| Total annual spend | $1,250 | $4,540 |
After intelligence discounts, the subscription adds $3,290 annually compared with buying these reports at standard price.
Enter one account’s annual net revenue to compare subscription cost and total spend.
Annual subscription = 12 × [$295 + $100 × (broker accounts − 1)]. Report estimates use the entered match count. Standard rate $2.50 per match; subscriber rate $2.00 per match. Final report charges are based on confirmed matches. Reports and subscription are separate charges. Taxes and other services are excluded. Discount savings do not represent insurance savings or a guaranteed return. The ring shows the annual subscription as a share of one account’s net revenue; values above 100% remain visible in the text.
Match counting, data availability, permitted use, analysis scope and delivery are confirmed in the report agreement. No report is generated by this calculator.
Tell us who you are once. We’ll carry your information into the group quote and give you access to the sample tools.
Your broker profile will be included with every group you submit during this session.
Create a clean first-year and renewal amount for the engagement.
Tracker entries are saved only in this browser.
See every employer, the next action and where each opportunity stands. Add a referral above to place it in your working view.
Choice Benefits does not force every employer into ICHRA. It helps the broker document which funding strategy fits the workforce and why.
Test carrier participation, employer contribution, out-of-state access, renewal economics and whether the existing risk pool still performs.
Model individual-market plans by employee age and ZIP code, affordability, employee classes and defined contributions for employees and families.
Where permitted, compare a class-based approach that preserves Group coverage where it works and introduces individual choice where it performs better.
Submit employer information first. Census and current-plan documents move through a private upload process—not ordinary email.
Add Predictive Risk Intelligence starting at $5,000, with pricing based on eligible lives, for groups starting at five eligible employees when de-identified medical and Rx signals would strengthen the recommendation.
Coordinate CHOICE plan documents, ERISA Wrap, Section 125, ACA reporting, COBRA, Medicare Secondary Payer reporting, payroll and employee enrollment.
Yes. The service is designed to support the broker’s employer relationship. The broker can remain the advisor, include a disclosed annual fee and use Choice Benefits for the analysis, implementation and employee experience.
No. The comparison can support All Group, CHOICE Only or the best compliant combination. Participation, geography, carrier access, affordability, employee impact and available data determine the recommendation.
Employer details, renewal timing, eligible census, current plans and rates, employer contributions, participation and employee locations. A complete standard feasibility review is targeted in under 24 hours after secure intake; optional risk analysis follows the agreed data scope.
Before placement, agree what the broker retains, what CHOICE earns, who services the account and who manages renewal. Analysis and implementation can be scoped separately from placement; compensation and fees are disclosed for the engagement.
Review provider continuity and split-plan scenarios before selecting an administrator.
CHOICE BENEFITS DECISION ENGINE
Move from risk insight to a configured benefits strategy.
01 / 09 · BENEFITS INTELLIGENCE
Start with population, market and appropriately authorized medical and Rx intelligence.
Set the baseline →Provider checks use supplied network evidence. Confirm exact plan, location and coverage before enrollment. Employer classes, household choices and HRA / HSA compatibility require separate review.