SHAREABLE EMPLOYER EXPERIENCE
See how Choice Benefits builds an employer strategy.
Use the sample controls to compare group coverage, a CHOICE Arrangement and a compliant class-based combination—then build an illustrative employer summary.
FOR BROKERS + EMPLOYERSOne census. Every viable funding path.Demonstration only • No personal or protected health data
PREDICTIVE RISK INTELLIGENCE01Secure inputsCensus, current plan, medical and Rx data 02Risk signalsCost concentration, specialty Rx, morbidity and trend 03Funding testParticipation, market access, classes and plan economics 04Decision packageRecommendation, financial thresholds and priorities
See what the standard quote cannot show.
Appropriately authorized, de-identified medical and pharmacy data reveals workforce-level cost and risk signals before the employer chooses a funding path. The result is not simply a score—it is evidence for comparing All Group, CHOICE Only and the best compliant combination.
START HERE
Interactive sampleTell us about the employer
HOW THE DECISION IS BUILT
Every signal flows into one benefits strategy.
Choice Benefits organizes the inputs. Employers see the decision—not the complexity behind it.
Employee censusAge, ZIP, class and coverage tier
Current group planRates, contributions and renewal
Market intelligenceIndividual carriers, plans and geography
Workforce riskMedical, Rx and projected cost signals
ParticipationCarrier eligibility and enrollment
Employer prioritiesBudget, networks and employee impact
CHOICEStrategy EngineCompare • Score • Configure
All GroupTraditional or alternative funding
CHOICE OnlyDefined-contribution individual coverage
Best CombinationCompliant class-based strategy
CHOICE BENEFITS RECOMMENDATION
Best Combination
Keep the established salaried class in group coverage and offer a CHOICE Arrangement to the hourly class.
87Decision confidence
01
ALL GROUP
64Traditional group
- Estimated employer cost
- $76,735
- Participation
- At risk
- Risk impact
- Retained by group
02
CHOICE ONLY
78Individual coverage
- Estimated employer cost
- $63,325
- Participation
- Not required
- Risk impact
- Transferred
RECOMMENDED
03
BEST COMBINATION
87Class-based strategy
- Estimated employer cost
- $66,300
- Structure
- 2 permitted classes
- Risk impact
- Balanced
RECOMMENDED DESIGN
One employer. Two compliant benefit paths.
The model uses existing, permitted employee classes—not individual health conditions—to create the strongest combination.
Salaried classGroup coveragePreserve network and contribution stability
Hourly classCHOICE ArrangementUse stronger individual pricing by geography
PREDICTIVE RISK INTELLIGENCE
See how the population story can change
1.18Projected risk
Several signals contribute to the outlook.The projected result is not driven by one factor. Prescription activity, specialty therapies, morbidity and claimant concentration should be reviewed together before choosing a funding path.
Illustrative aggregate population signals only. They do not diagnose an individual, determine eligibility or replace carrier underwriting, actuarial, medical or legal review.
Add benefits after medical
FROM DEMONSTRATION TO LIVE CASE
No data submitted hereReady to compare a real employer?
Download this illustrative summary or open the secure quote workspace to begin a live group analysis with the employer’s actual census, renewal and goals.
01
Take the sample with you
Download the modeled recommendation, strategy scores, costs, selected benefits and required final-review items.
02
Start a real employer analysis
Move into the Choice Benefits quote workspace when you are ready to use actual employer information.
Open the secure quote workspace →Demonstration guardrail: Do not enter names, dates of birth, claims, prescriptions or other personal information on this page. Final recommendations require verified data, carrier rules, compliance review and licensed professional approval.
Sample only. Final recommendations require carrier participation rules, affordability testing, permitted-class review and licensed professional approval. Predictive risk informs the strategy; it does not determine individual eligibility or benefits.