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 opportunity
12-month projected risk
High-cost exposure
Specialty Rx intelligence
DE-IDENTIFIED ILLUSTRATIVE REPORT
2027 Renewal Intelligence
Strategy grade
A
EMPLOYEES ANALYZED
1,060
MATCH CONFIDENCE
86.4%
PROJECTED RISK
1.08
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.
ICHRA RENEWAL CASE STUDY
Renewal intelligence reinforced the value of ICHRA—and showed where CHOICE could fit.
This employer already offered ICHRA. At renewal, a de-identified review revealed the medical and prescription signals behind the population—not merely the price of available plans. The 1,060 records in this illustrative case provided context, while prescription needs, specialty medications, transplant exposure and potential high-cost risk shaped the decision.
The outcome: validate the employer’s current ICHRA strategy while evaluating whether a CHOICE Arrangement—combining ICHRA and traditional group coverage for appropriate employee classes—could produce an even stronger renewal. Priority medications can then be checked against actual carrier formularies before employees enroll.
PRESCRIPTION SIGNAL
5 therapies
Named drugs identified for plan-level formulary review
SPECIALTY RX
$259K
Highest modeled therapy exposure
HIGH-COST MEDICAL
Transplant
Exposure surfaced before the funding recommendation
GLP-1 FOOTPRINT
Concentrated
Mounjaro, Ozempic, Wegovy, Zepbound and Trulicity signals
PROJECTED RISK
1.08
Forward-looking risk, not just historical price
DECISION CONTROL
Verify first
live carrier shopping plan availability plus carrier formulary confirmation
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?
Enter estimated matches and select your subscription status. Model the report estimate against projected healthcare spend; final charges use confirmed matches.
ESTIMATED DECISION VALUE
$0
potential annual improvement
Break-even improvement
0%
Value after report cost
$0
Projected renewal spend
$0
Investment per match
$0
Order with the employer quote →
MATCH PRICE$165Standard · $2.50 per match66 estimated matches
PRICING THAT FITS THE POPULATION
One report. A price per match.
Change estimated matches above, choose a pricing example or select subscriber pricing. The analysis investment updates instantly—without changing the $12 PEPM administration or annual service fees.
Selected match exampleInitial intelligence analysis
SEPARATE RECURRING OPTION
Request annual monitoring →Annual Intelligence & Renewal Monitoring
Refresh population, claims, Rx and market signals for the next renewal cycle. Recurring scope and pricing are confirmed separately after the initial report.
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
From $5,000
Population analysis, authorized Medical + Rx intelligence, market comparison and a decision-ready funding recommendation. Pricing scales with eligible lives.
Begin secure order → Schedule an investor or strategy meeting
THE 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.