ICHRA feasibility
From $1,000Compare funding, geography and employer economics, then model contributions. Add an authorized intelligence report as a separately priced component.
Start feasibility →THE INDEPENDENT ICHRA & CHOICE ADVISORY
Independent intelligence for ICHRA & CHOICE.
Start your ICHRA, understand your workforce risk, choose the right administrator, or get the documents you need. Choose a service below and take the next step.
A clear next step, for everyone.
How can we help you?
I’m an EmployerExplore your options, plan your budget, and build benefits for your team.Find my employer path →I’m a BrokerGet quote and proposal support, plus access to offer Instant ICHRA.Explore Broker’s Backpack →I’m an EmployeeShop individual benefits and get personal enrollment guidance.Shop benefits & get help →
Intelligence before administration. Get independent guidance on costs, contributions and the services that fit your team. Protected data handling →
YOUR RENEWAL. MORE OPTIONS.
Let us compare your renewal.
Send the RFP you already have. Upload your current plan, renewal rates, employee census and employer contributions. We’ll compare available group, level-funded and ICHRA options—and show what each means for your business and employees.
1 Add your company and contact2 Attach your renewal & RFP files3 Submit for our team’s review
Upload your renewal Excel, CSV, PDF or Word · use your existing filesRead the renewal guide →
THE ICHRA SHOP · INDEPENDENT INTELLIGENCE
Your feasibility analysis, from census to recommendation.
Design the contribution, review the workforce and choose the operating partner—with one connected process.
WHAT YOUR ANALYSIS CONNECTSAll the decisions.
All the decisions.
One clear strategy.
Choose a step to explore the work behind your recommendation.
Start my feasibility analysis →Health intelligence requires at least 30 covered lives. Scope and data permissions are confirmed first.WORKFORCE PLANNING STUDIOInteractive estimate
Employer contribution budget / month$25,000$300,000 per year
Intelligence report component$12550 assumed matches × $2.50
Contribution model
50 employees × $500
Planning estimate only. Feasibility starts at $1,000; intelligence reports are priced separately within that engagement by report count and confirmed matches. Health reports require at least 30 covered lives. Administration, premiums and optional support are separate. Verified rates and case review are needed for affordability.
02 / 09 · OPTIONAL WORKFORCE ANALYSIS
Add Workforce Intelligence
Bring aggregate medical, prescription and projected workforce-risk signals into the funding discussion. Understand the population behind the census before choosing the contribution strategy.
Explore Workforce Intelligence →How this intelligence is used
This is a service roadmap, not a completed employer analysis. Workforce Intelligence is optional and uses appropriately authorized inputs. Aggregate risk informs employer funding strategy; individual health conditions do not determine eligibility, contributions or employee classes. Verified rates, affordability methods and final plan terms require case review.
CHOOSE THE WORK YOU NEED
Clear services. Separate prices.
Analysis, reports and administration solve different parts of the decision.
Workforce intelligence
$2.50 per confirmed match / reportReport count × confirmed matches × rate. Eligible subscribers: $2 per match. Health reporting starts at 30 covered lives; comp review is separately scoped.
Estimate my reports →
Choose a reimbursement model or add Payments. Package scope and employee-count basis are confirmed before launch.
Set up Instant ICHRA →A DEDICATED MEDICARE PATH
Medicare deserves its own conversation.
Explore Medicare Advantage, Medicare Supplement and prescription-drug coverage through our ClearMatch referral link. A licensed ClearMatch agent can help with plan comparisons and enrollment questions.
Open Medicare referral center →Go directly to ClearMatch ↗Use our dedicated partner link to start your referral.
ICHRA answers
Questions employers and brokers actually ask.
For a complete explanation, read our Guide to CHOICE Arrangements and ICHRA.
Is ICHRA now called a CHOICE Arrangement?
CHOICE Arrangement is the newer public-facing term. Governing rules, plan documents, disclosures and tax reporting may still use “Individual Coverage HRA” or “ICHRA,” so we use both terms where accuracy requires it. See what changed and what did not.
How much does an ICHRA cost?
Cost includes the employer’s defined contribution, administration, broker compensation when applicable, setup or consulting fees, and required documents. The ICHRA Shop compares these costs against the current plan and renewal before recommending a funding path.
ICHRA vs. group health insurance: which is better?
Neither is automatically better. The answer depends on employee geography and ages, carrier and network strength, individual-versus-small-group pricing, employer budget, participation, administration and workforce risk. We compare both instead of forcing one answer.
How is ICHRA affordability tested?
Affordability is generally tested using the employee’s required contribution for the applicable lowest-cost Silver plan after the employer allowance, together with the federal affordability standard and permitted safe-harbor method. Employer-specific testing belongs in the feasibility analysis.
Which employers qualify for an ICHRA?
Employers of any size may consider an ICHRA if the arrangement is designed and administered under applicable federal rules. Employer classes, offer requirements, notices, affordability and interaction with group coverage require careful review.
Does an ICHRA guarantee savings?
No. Results vary by state, rating area, employee population and contribution design. Review our state market intelligence and Market Score methodology.
Can brokers use The ICHRA Shop?
Yes. Brokers keep the client relationship while we provide independent analysis, vendor evaluation, contribution strategy, implementation support and optional Workforce Intelligence.
How is The ICHRA Shop paid?
Compensation may include consulting fees, service fees, administrative fees or insurance commissions depending on the engagement. Read our compensation disclosure.