Get the CHOICE + Funding quote
Send one employer census, current plan, renewal, contributions and locations. We build the level-funded, self-funded and ICHRA / CHOICE comparison from the same starting point.
CHOICE+Funding
PRIVATE-LABEL FUNDING COMPARISON • BROKERS & EMPLOYERS
Compare your funding options.
Then let intelligence go to work.
CHOICE + Funding is the ChoiceBenefits.ai private-label funding comparison. Bring us one live employer case. We coordinate available level-funded and self-funded quotes, model ICHRA / CHOICE alternatives and organize the information in ChoiceBenefits so the broker can see which path fits—and where a lawful answer may differ by permitted employee class.
FROM QUOTE TO INTELLIGENT STRATEGY
We do more than place two quotes side by side.
The quote enters the ChoiceBenefits platform. JANET then helps organize the case, connect the available data and surface the signals that matter—so the broker can compare the employer as a whole and by permitted employee class, such as full-time or part-time status, salary or hourly status, or lawful geography.
JANET organizes the case
The quotes and employer inputs are brought into ChoiceBenefits. JANET structures the information so pricing, plan design, geography, affordability and employee impact can be reviewed together.
Add the signals that matter
Market data, demographics and appropriately authorized population-risk signals can be layered into the analysis when available. JANET identifies patterns and questions—not medical diagnoses.
See the best-fit paths
The analysis shows where group funding may fit, where ICHRA / CHOICE may fit, and whether permitted employee classes—including geographic classes subject to applicable minimum-size rules—deserve consideration. Employee classes are defined only by permitted employment criteria, never by health status or claims. Risk signals inform the employer’s overall funding decision.
LEVEL-FUNDEDGroup coverage with a defined paymentCompare available quotes, plan design, funding terms and employee experience.
SELF-FUNDEDEmployer-funded group coverageEvaluate projected claims, stop-loss, administration and funding exposure.
ICHRA / CHOICEIndividual plans. Employer contributions.Model allowances, local coverage and employee cost by permitted class.
Class-design guardrailWithin a class, employees receive either the group plan or ICHRA / CHOICE—not a choice between them. Class splits are subject to applicable minimum class-size rules. Carrier participation and underwriting requirements apply to any class it covers. Employers with 50 or more full-time-equivalent employees must also test affordability and ACA coverage requirements for each applicable class.
Your client. Your recommendation.ChoiceBenefits gives the broker a documented, intelligence-supported comparison—not a product-first sales pitch.
Start a CHOICE + Funding case →THE CHOICE + FUNDING CONNECTED MARKET
One group anchor. Every CHOICE administration path.
Available level-funded and self-funded options can anchor the group side. When ICHRA / CHOICE fits the employer—or a permitted employee class—ChoiceBenefits connects the strategy to the administration path that best matches the case.
CHOICE + Funding
The group anchor
Compare level-funded and self-funded medical options, plan administration and member support for eligible employers.
GROUP FUNDINGINTELLIGENCE + ORCHESTRATIONCHOICEBenefits.aiJANET organizes the case
- One census
- Funding comparison
- Permitted-class modeling
- Employee impact
Select the operating partner
Connect the chosen strategy to the service, payroll, shopping and enrollment model that fits.
Instant ICHRAThatchNexbenFijoyaLeewayICHRA SystemsTASCKyra HealthGravie
ONE EMPLOYERGroup funding for the employerWhen level-funded or self-funded coverage is the best overall answer.
PERMITTED CLASS STRATEGYGroup + ICHRA / CHOICEWhen lawful employee classes support different funding paths.
FULL CHOICE PATHICHRA / CHOICE for the employerWhen individual-market coverage and defined contributions fit best.
The intelligence creates the recipe—not the employee class.Claims, diagnoses, prescriptions and projected risk never determine an employee’s class. Any group-and-ICHRA combination must use permitted employment classes and satisfy applicable minimum-size, participation, affordability and carrier requirements.
Intelligence supports the decision. It does not make it.
ChoiceBenefits may identify, compare, model and surface signals using census, market and appropriately authorized information. It does not diagnose medical conditions, replace underwriting or independently determine which plan an employer should purchase.
Start with one employer census →