Most small businesses have only known group coverage. See how a CHOICE Arrangement (formerly ICHRA) compares on budget control, employee choice, participation rules and renewal risk.
Side-by-Side
Most small businesses have only known group coverage. Here is how a CHOICE Arrangement compares on the issues that matter most to employers with 10 to 500 employees.
If your group can pass medical underwriting and you want the simplicity of a group plan with better cost controls, we also offer level funded plan options.
Common Questions
With a CHOICE Arrangement, each employee purchases individual insurance. Your reimbursement amount never changes based on employees’ health status or claims history. Someone who had a major surgery last year does not raise your cost next year — which is the fundamental difference from group underwriting.
No. A CHOICE Arrangement has no participation minimums and requires just one employee to establish. It is available to any employer of any size.
Keep Exploring
More on how CHOICE Arrangements and our services can work for your business.
How the new federal name for ICHRA works: a fixed monthly allowance, employees pick their own plan, reimbursements are tax-free.
The signs a CHOICE Arrangement fits: steep renewals, diverse teams, tight budgets and fast growth.
Group-style coverage with predictable monthly costs and a potential year-end refund for healthier groups.
