01
Fully insured group
A carrier prices and bears the medical risk. Compare renewal, network, plan design, contribution and participation.
EMPLOYER HEALTHCARE FUNDING
Compare the arrangement before selecting the vendor.
Start with one dependent-level census. Then compare employer cost, employee access, contribution strategy and risk across the arrangements that may fit your workforce.
THE COMPARISON
Four funding arrangements. One employer decision.
02
Level-funded
A fixed monthly structure combining claims funding, administration and stop-loss, with terms that vary by carrier and contract.
03
Self-funded
The employer assumes claims risk and generally purchases administration and stop-loss. Risk intelligence can sharpen the evaluation.
04
ICHRA / CHOICE Arrangement
The employer defines a reimbursement allowance and eligible employees choose qualifying individual coverage.
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Classes and blended strategies
Where rules permit, different employee classes may use different strategies. Compliance and same-terms testing matter.
WHAT THE CENSUS UNLOCKS
Market access, affordability and participation.
Names, dates of birth, relationships and home ZIP codes establish the minimum household detail for individual-market comparisons. Current plans, rates, contributions, renewal and eligibility rules complete the employer picture.
Optional Predictive Risk Intelligence
Adds aggregate, de-identified claims and prescription signals—including high-cost claimant ranges, specialty drugs and projected risk—to nationwide market intelligence.
Adds aggregate, de-identified claims and prescription signals—including high-cost claimant ranges, specialty drugs and projected risk—to nationwide market intelligence.
Move from quote to configured arrangement.
Choice Benefits helps organize the comparison, employee shopping and implementation. The ICHRA Shop provides independent advisory and licensed insurance support.