Employer strategy
Permitted classes, employee and family funding, affordability, geography and the reimbursement model.
Independent third-party vendor analysis
Twenty-six ICHRA platforms. No universal winner.
The right administrator depends on the employer’s funding strategy, workforce, geography, contribution design, service requirements and budget. The ICHRA Shop reviews the market, narrows the field and conducts a focused RFP after the employer chooses the strategy.
The 2026 review universe
ICHRA and CHOICE Arrangement platforms we evaluate
Our review universe includes established benefits administrators, ICHRA specialists, broker-focused platforms and newer technology companies. Inclusion means the vendor is part of the market review. It does not represent an endorsement.
Ameriflex
Bavvy by Milliman
Benafica
Choice Benefits
Clarity Benefit Solutions
CVRD Health
ezICHRA
Fijoya
Gravie
ICHRA Systems
Kyra Health
Leeway
Nexben
OneBridge Benefits
PeopleKeep
Predictable Benefits
Remodel Health
Salusion
StretchDollar
SureCo
Take Command
TASC
Thatch
WEX
zizzl health
Zorro
Disclosure: Choice Benefits is affiliated with The ICHRA Shop. The ICHRA Shop also has commercial relationships with some vendors in this market. We disclose material relationships and compensation before an employer selects a platform. Vendor capabilities, pricing and terms should be confirmed through the current RFP and demonstration process.
Beyond ICHRA administration
Two names stand apart.
Both connect ICHRA to a broader funding model, but from different sides.
Choice Benefits integrates independent analysis and vendor selection. Gravie integrates its benefits products and funding model. This is a category distinction—not a head-to-head ranking.
What determines fit
We compare the operating model behind the quote
Names alone do not answer whether a platform can execute the employer’s contribution strategy or support the workforce.
Broker control
Broker of record terms, client ownership, compensation, book management and white-label options.
Employee experience
Plan shopping, provider and prescription support, licensed enrollment, languages and year-round service.
Payments
Premium payment, reimbursements, cards, banking controls, substantiation and reconciliation.
Technology and security
Payroll and HRIS connections, data exchange, reporting, permissions and security controls.
Total cost
PEPM charges, setup fees, minimums, add-ons, implementation work and employer-specific service needs.
The evaluation process
Funding first. Vendor selection second.
Most brokers face a crowded ICHRA market. The ICHRA Shop performs the analysis, narrows the field and documents why the recommended vendors fit the case.
| Stage | What we analyze | What the employer receives |
|---|---|---|
| 1. Employer analysis | Census, current plan, renewal, contributions, employee locations and objectives. | A clear comparison of ICHRA / CHOICE, fully insured, level-funded, self-funded and permitted class strategies. |
| 2. Optional risk intelligence | Authorized aggregate claims, prescription, specialty-drug, morbidity and projected-risk signals for eligible groups. | Additional evidence for funding, contribution and market decisions. |
| 3. Vendor short list | Administrator capabilities, market coverage, service, payments, integrations, broker structure and total cost. | A focused list of vendors aligned with the chosen strategy. |
| 4. RFP and demonstration | Current pricing, implementation requirements, contract terms, service commitments and product demonstrations. | A documented recommendation with tradeoffs and questions that remain. |
Why we do not publish a universal ranking
A platform that works well for a 20-employee company may be the wrong choice for a complex multi-state employer. Our internal benchmark helps structure the review, but the recommendation comes from employer-specific evidence and current vendor validation.
Independent ICHRA experience
Vendor analysis led by The ICHRA Shop
Brad O’Neill and The ICHRA Shop began ICHRA consulting in February 2020. The team evaluates the funding strategy before the administrator and supports employers and brokers through analysis, vendor selection and implementation.