Start with five lives
Small employers no longer have to make a funding decision from premium alone.
THE RISK LAYER BENEFITS HAS BEEN MISSING
See what the renewal has been hiding.
Traditional small-group and ICHRA quotes show price. Choice Benefits reveals the population, medical, prescription and projected-risk signals behind the next funding decision—even for employers starting at five eligible employees.
5–299 life opportunity12-month projected riskHigh-cost exposureSpecialty Rx intelligence
DE-IDENTIFIED ILLUSTRATIVE REPORT
2027 Renewal Intelligence
Strategy gradeA
EMPLOYEES ANALYZED1,060
MATCH CONFIDENCE86.4%
PROJECTED RISK1.08
WHY THIS CHANGES THE MARKET
Enterprise-grade insight—brought downstream.
Risk intelligence has traditionally lived with large, data-rich employers. Choice Benefits makes a decision-ready version practical for small groups under 300—and creates a risk-informed strategy layer that has not historically existed in ICHRA.
The overlooked market
Bring population-level intelligence to employers least likely to have an analytics team.
Funding paths tested
All Group, CHOICE Only, or a compliant class-based combination.
Connected decision
Risk, market pricing, contributions and employee experience in one strategy.
SHORT CASE STUDY
From 1,060 records to one funding decision.
A de-identified workforce review found an older demographic profile, lower measured morbidity, concentrated GLP-1 and specialty-drug exposure, and no members projected above 10× risk. The outcome was a defensible comparison of both risk pools before renewal—not a predetermined answer.
46average age
44.5%age 50+
1.30demographic risk
0.83morbidity risk
1.08projected risk
86.4%match confidence
FROM DATA TO ACTION
Intelligence that changes the recommendation.
Move beyond a static score. Each signal connects to a funding, contribution or care-access decision.
Population
Age, geography, households, participation and permitted classes.
Medical + Rx
Morbidity, high-cost exposure, conditions and specialty prescriptions.
Market economics
Group renewal pressure versus individual-market availability and pricing.
Strategy
All Group, CHOICE Only or the strongest compliant combination.
INVESTMENT VALUE CALCULATOR
How little does the report need to uncover?
Model the $5,000 report investment against the employer’s projected healthcare spend.
ESTIMATED DECISION VALUE$0potential annual improvementBreak-even improvement0% Value after report cost$0 Projected renewal spend$0 Investment per employee$0 Order with the employer quote →
START WITH WHAT YOU HAVE
One census. Any normal format.
Analyze the census locally, then request the authorized secure destination for sensitive files.
Your file is analyzed locally first and is not automatically transmitted.
STARTING INVESTMENT$5,000
Population analysis, authorized Medical + Rx intelligence, market comparison and a decision-ready funding recommendation.
Begin secure order →Schedule an investor or strategy meetingTHE DIFFERENCE IS THE DECISION
Request the report →Do not choose a funding model from price alone.
Bring risk, market economics and employee choice into the same conversation.