01
Fully insured group
The carrier prices and bears the medical risk. We test renewal, networks, plan design and employer contribution.
ONE CENSUS • EVERY FUNDING ARRANGEMENT
Let the evidence choose the employer health strategy.
We compare ICHRA or CHOICE Arrangements with fully insured, level-funded, self-funded and permitted class strategies before choosing an administrator.
DECISION INPUTS
Market + employer + risk
Census, ZIP-level availability, current plan and renewal, contributions, affordability, participation and—when selected—aggregate claims and prescription intelligence.
FUNDING COMPARISON
Do not assume one arrangement wins everywhere.
02
Level-funded
A fixed monthly structure with claims funding, administration and stop-loss. Terms and refund provisions vary.
03
Self-funded
The employer assumes claims risk and purchases administration and usually stop-loss. Population risk matters.
04
ICHRA / CHOICE Arrangement
The employer defines a reimbursement allowance and eligible employees choose qualifying individual coverage.
05
Classes or blended strategy
Permitted employee classes may support different solutions when designed and administered under applicable rules.
06
Keep and redesign group
Sometimes the strongest recommendation is to retain group coverage and adjust plan, network or contribution design.
PREDICTIVE RISK INTELLIGENCE
The quote shows price. Intelligence explains what may drive it next.
For eligible groups, authorized aggregate and de-identified medical claims, prescription and specialty-drug signals, morbidity, high-cost claimant ranges and projected risk are evaluated alongside nationwide ICHRA market intelligence.
Recommendation output
- Funding arrangement and reason
- Contribution and class strategy
- Carrier, network and formulary priorities
- Administrator requirements
- Employee impact and implementation steps
ADVISORY SCOPE
Then we shop the vendors for you.
Vendor evaluation follows the funding recommendation and considers reimbursement model, premium payment, employee service, payroll connections, setup fees, PEPM costs and reporting.
Does the lowest quote always win?
No. Network access, employee disruption, affordability, contribution equity, risk, administration and renewal durability all matter.
Can a broker submit the case?
Yes. Brokers can register, upload the dependent-level census and current plan information, and retain their client relationship.
Is Predictive Risk Intelligence individual underwriting?
No. Aggregate risk intelligence informs employer funding strategy and is not used to determine an individual employee’s eligibility or benefits.
One census. One decision-ready comparison.
Start free with an ICHRA quote, or add feasibility and risk intelligence.