Measuring the health story behind a mature ICHRA
Four years of program history, 1,060 employee records and an aggregate medical and pharmacy risk profile. See what enrollment and premium figures alone missed.
Read the case study →The ICHRA Shop knowledge center
ICHRA insight built for real employer decisions.
Understand CHOICE Arrangements, compare costs, test affordability, organize compliance and give employees a better enrollment experience.
ORIGINAL ICHRA POPULATION HEALTH RESEARCH
Four years in. For the first time, we measured the health story behind the ICHRA.
The ICHRA Shop analyzed 1,060 employee records and matched 86.4% to usable medical and pharmacy history. See what the group-level risk profile added to the renewal decision—and what it can mean for smaller group analysis.
Explore the case study →1,060 records
Employee-only ICHRA cohort
Employee-only ICHRA cohort
Four years
Mature program history
Mature program history
Three risk views
Demographic, morbidity and composite
Demographic, morbidity and composite
Aggregate, de-identified research. Results are specific to this population.
Start here
Practical CHOICE Arrangement resources
Balance geographic contributions to the employer budget
Use one census to test local markets, employee cost and pending premium data before administrator handoff.
Read the modeling guide →CHOICEBenefits.ai launches for open enrollment
Founded in January 2025—before CHOICE Arrangement terminology—Choice Benefits now brings Predictive Risk Intelligence to Group, ICHRA/CHOICE and hybrid funding decisions.
Read the announcement →Two sides of the street. One benefits strategy.
Why traditional group coverage and CHOICE Arrangements should be evaluated together—and how Predictive Risk Intelligence helps test carve-outs and adverse-selection risk.
Read the introductory article →Learn About CHOICE Plans
What an Individual Coverage HRA is, why the CHOICE name matters, how employer contributions work and what employees should expect.
Read the CHOICE guide →Compare current cost with defined contributions
Turn current medical and other-benefit spending into PEPM figures, model allowances and request a census-based analysis.
Build an employer analysis →ICHRA and Family Glitch tools
Estimate employer cost, age-banded contributions and potential employee or dependent affordability considerations.
Open the cost tools →ICHRA compliance documents
See the plan document, notice, authorization, enrollment and annual-administration categories that support a launch.
Open the Compliance Center →Shop, enroll and get human help
Connect employer allowances with medical, dental, vision, life, HSA and voluntary-benefit shopping.
Visit the Benefits Shopping Marketplace →Broker CHOICE resources
Submit a group, model costs, add a disclosed annual fee and request a secure census-based quote.
Open the Broker Center →Original market intelligence
Beyond generic ICHRA explanations.
The ICHRA Shop studies individual-market rates, carrier participation, networks, affordability, geography, employer contributions and administrator capabilities. These insights help employers and brokers evaluate where CHOICE Arrangements may create value—and where a different strategy may be stronger.
State market reports
Individual-market conditions and employer opportunity.
Individual-market conditions and employer opportunity.
Administrator intelligence
Independent comparisons of platforms, service and connectivity.
Independent comparisons of platforms, service and connectivity.
Risk and renewal analytics
Better visibility into the forces behind employer healthcare cost.
Email JanetBetter visibility into the forces behind employer healthcare cost.