Compare traditional Group, CHOICE/ICHRA and ancillary benefits in one clear process. Start with a standard plan configuration—or add workforce-level medical and Rx intelligence to make the funding decision more defensible.
A CHOICE Arrangement is one way to fund medical coverage. Choice Benefits is the employer-controlled system for deciding which funding option belongs where—and connecting it to the rest of the benefits program.
Both paths organize Group, CHOICE and ancillary options. Decision Intelligence adds appropriately authorized, de-identified medical and pharmacy signals.
A fast feasibility review using the current plan, contribution, employee census, participation and market availability.
For difficult renewals, unclear risk or a funding change that needs stronger financial justification.
Test the rules and economics of each path, then show where one strategy—or a compliant combination—may perform better.
The value is not the score. It is avoiding a funding mistake, identifying a cost opportunity or supporting a better Group, CHOICE or combination decision.
Illustrative planning model only. Savings are not guaranteed. Actual value depends on data quality, current funding, carrier terms, permitted classes and implementation.
Compare employee-only coverage plus a spouse/dependent alternative with the employee’s current family payroll cost.
Illustrative comparison, not an eligibility or subsidy determination. Review total premiums, cost sharing, networks and applicable Marketplace rules.
Build one employer contribution strategy across protection, savings and voluntary choices.
Individual and group options.
Routine care and materials.
Employer-paid and voluntary.
Income protection.
Accident and critical illness.
Workforce, safety and cost signals.
Complete secure intake once. We organize the market, funding and implementation work into a clear employer recommendation.
Participation, carrier rules, market access and contribution scenarios.
All Group, CHOICE Only and Best Combination side by side.
Optional medical and Rx signals, thresholds and action priorities.
ERISA Wrap, Section 125, ACA, COBRA, MSP, payroll and enrollment handoff.
Full feasibility is targeted in under 24 hours after complete secure intake, with or without Predictive Risk Intelligence.