CHOICE Arrangements (formerly ICHRA) fit employers with 10 to 500 employees who want fixed benefit costs, fewer renewal surprises and real plan choice for their teams.
Is This You?
Traditional group coverage penalizes you for your employees’ health history. A CHOICE Arrangement breaks that connection entirely. If any of these situations describe your business, a CHOICE Arrangement is likely your best move.
If your group rates jump 15–40% at renewal because a few employees had costly claims, a CHOICE Arrangement removes that risk entirely. Each employee buys individual coverage — your rate never goes up because of someone else's health.
Younger employees, older workers, employees with families — each has very different insurance needs. A CHOICE Arrangement lets everyone choose the plan that actually fits them rather than settling for the same one-size policy.
You set the monthly contribution cap. You never owe more. Ideal for companies that want to offer competitive benefits without open-ended financial exposure.
Adding 10 employees shouldn't require renegotiating your group contract. A CHOICE Arrangement scales instantly — new hires enroll on the individual market the same as everyone else.
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.
Our Clients
You are too large to ignore benefits and too small for a Fortune 500 benefits team. That gap is exactly where we operate. From single-state employers to multi-state operations, we cover you in all 50 states.
Industries we serve: Manufacturing · Construction · Restaurants · Professional services · Retail · Healthcare · Nonprofits · Logistics · Agriculture · Technology · Hospitality · Financial services
All 50
U.S. States Covered
10–500
Employees per Company
30 Days
Avg. Time to Enrolled
Year-Round
Advisor Support
Our Markets
Headquartered in Kentucky · Florida Division Active · National Licensing in All 50 States — We are building market-leading presence state by state, starting in Kentucky and Florida, and expanding to additional priority markets. Every client relationship we build today strengthens the network available to you tomorrow.
KY
FL
TN
OH
IN
GA
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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.
A side-by-side look at budget control, plan choice, renewal risk and participation rules.
Benefit design, employee enrollment and year-round support from a dedicated advisor.
