01
Feasibility before quoting
Compare current employer cost, projected renewal, workforce geography, individual premiums, carrier participation and implementation readiness. The correct answer may be group coverage, ICHRA or a strategy using both.
Built from real employer decisions
The 2027 ICHRA & CHOICE Arrangements Guide.
Everything employers and benefits advisors need to evaluate the market, design contributions, select the right administration model and launch with confidence.
IndependentNot tied to one administrator
Decision-focusedBuilt for employers and brokers
2027-readyMarket and renewal intelligence
Start with the decision
CHOICE Arrangements, formerly known as ICHRA.
A CHOICE Arrangement is an employer-funded individual coverage HRA. The employer defines eligible classes and contribution amounts; employees choose qualifying individual health coverage. The strategy works only when the market, contributions, administration and employee experience work together.
02
Contribution design
Model employee, spouse and dependent allowances; permissible classes; age variation; geography; budget targets; and employee out-of-pocket impact. A flat contribution is simple, but not always equitable or competitive.
03
Affordability and family strategy
Test ACA affordability for employees and evaluate dependent access to premium tax credits under the family-affordability rules. Contribution decisions should be modeled before the plan is adopted.
04
Carrier, network and prescription analysis
Review on- and off-exchange availability, provider networks, formularies, metal levels, plan design and regional differences. A low premium is not a complete recommendation.
05
Platform and payment selection
Compare administration, payroll integration, plan shopping, payments, substantiation, reconciliation, mobile experience and licensed employee support. Technology should administer the employer’s strategy—not define it.
06
Compliance and plan documents
Coordinate the employer resolution, ICHRA plan document, SPD, required notice, Section 125 POP when applicable, coverage attestations, HIPAA and broker authorizations, BAA and annual reporting review.
Open the Compliance Center →07
Human enrollment support
Employees need more than a link. Plan group education, one-on-one help, provider and prescription review, dependent guidance, payment instructions and deadline follow-up.
08
Renewal and Risk Intelligence
Review individual-market changes, employee cost absorption, employer budget, carrier movement and—in eligible engagements—predictive claims and Rx intelligence before the next renewal decision.
Compare Risk Intelligence reports →The ICHRA Shop method
Analyze. Design. Launch.
We bring the guide to life through independent feasibility analysis, Market Scores™, platform comparison, compliance coordination and employee enrollment support.
What to send for a complete analysis
- Employee census with ZIP code and date of birth
- Current plan and employer contributions
- Renewal information and benefit objectives
- Employee classes and locations
- Known provider, prescription or enrollment needs
Primary resources
Use the rules—not marketing shorthand.
Turn the guide into an employer decision.
Request an independent analysis or schedule a focused consultation.