Why we ran the study
Employer reports can show who enrolled, what the employer contributed and which plans people selected. They rarely show the health needs behind those figures. The ICHRA Shop’s first in-depth population health case study applied claims and prescription analysis to a mature, multistate ICHRA group to make that missing layer visible.
The modeled demographic score was 1.30, while the measured morbidity score was 0.83 and the composite projected risk score was 1.08. Different measures answered different questions; none should be read as an individual diagnosis or a guarantee of future claims.
What the numbers mean
The study included an employee-only enrollment tier. Dependents were outside its scope, and some records had no usable claims match. That limits any conclusion about the employer’s complete covered population. The scores describe an aggregate group; they are not used to decide an individual’s eligibility or benefits.
The renewal lesson
The employer’s ICHRA spending per enrolled employee was below a published national group-plan benchmark in this point-in-time comparison. That benchmark is a different population and plan mix, so it is context—not a matched savings estimate. The more durable finding is that a contribution and enrollment report alone would not have revealed the population’s clinical and pharmacy risk signals.
For a renewal, the next step is to combine verified census, local plan premiums, employee costs and aggregate risk. That can inform contribution design, carrier and formulary research, and whether group, ICHRA or an eligible class approach deserves closer analysis.
Why this matters for smaller groups
This case studied a large employer population; it does not establish the same outcomes for a five-, 25- or 100-life group. It demonstrates a method that The ICHRA Shop offers for eligible smaller groups: add properly authorized, aggregate medical and pharmacy intelligence to the funding comparison when the available data support a reliable analysis.
Source and scope: The ICHRA Shop’s 2026 de-identified population health case study. Financial, enrollment and risk measures reflect different reporting periods and source systems. The full technical report contains confidential client and clinical detail and is available only through an appropriate review process.