Read the marketCompare carriers, rates, networks and geography.
ICHRA / CHOICE ADVISORY + PREDICTIVE RISK INTELLIGENCE
Know the market. Know the risk. Build the right ICHRA.
The ICHRA Shop is the independent advisory and intelligence firm for ICHRA / CHOICE Arrangements. We combine nationwide market data with optional Predictive Risk Intelligence to guide contributions, vendor selection, compliance, enrollment and every renewal.
ICHRA market intelligencePredictive Risk IntelligenceContribution strategyVendor + enrollment support
Our specialty: understanding the employer and the market before selecting the administrator. Protected data handling →
Understand the riskAdd predictive population signals when appropriate.
Design the ICHRASet contributions, classes and affordability strategy.
Select + supportChoose the vendor and manage enrollment through renewal.
NEW · 2027 ICHRA renewal guideBalance geographic contributions and validate employee costs.Read the framework →
For employers and brokers
Plan Document Store
See transparent pricing and purchase through secure partner checkout. Start with core plan documents, then add reporting or administration when required.
COMPLETE ICHRA PACKAGEPlan Documents + Attestations$999Start this package →CORE DOCUMENTSection 125 Premium Only Plan$299Request package →CORE DOCUMENTERISA Wrap Plan Document + SPD$599Request package →HRA DOCUMENTSQSEHRA, EBHRA and Group HRAsFrom $749Choose an HRA package →ALL PACKAGESFSA, DCAP, HSA, education and commuterView pricingShop documents →01 02 03
THE ADMINISTRATION FEE CHECKWhen the ICHRA fee consumes the ICHRA savings.
Documents and payment administration should support the strategy—not become the strategy. Compare the full annual cost before selecting a platform.
Compare real administration costs →500 employees at $35 PEPM$210,000/yr
vs.$999 documents + $5 PEPM≈ $31,000/yr
SELF-ADMINISTRATION OPTIONS
Keep the essentials. Manage the day-to-day.
For employers that do not need a full-service ICHRA platform, we can provide the plan documents and optional payment support while the employer—or its designated administrator—retains the ongoing administrative responsibilities.
Potential cost avoided
ICHRA / CHOICE documentsPlan document, SPD, employee notice and applicable attestations.
Payment supportPremium-payment coordination available by request for the selected arrangement.
Employer responsibilitiesMaintain eligibility and classes; distribute required notices; manage enrollments and changes; coordinate payroll and contributions; process hires and terminations; and retain required records.
| Eligible employees | Documents + payments $1,000 + $5 PEPM | Potential annual cost avoided vs. full-platform PEPM | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| $20 | $25 | $30 | $35 | $40 | $45 | $50 | $55 | $60 | $65 | ||
| 10 | $1,600 | $800 | $1,400 | $2,000 | $2,600 | $3,200 | $3,800 | $4,400 | $5,000 | $5,600 | $6,200 |
| 25 | $2,500 | $3,500 | $5,000 | $6,500 | $8,000 | $9,500 | $11,000 | $12,500 | $14,000 | $15,500 | $17,000 |
| 50 | $4,000 | $8,000 | $11,000 | $14,000 | $17,000 | $20,000 | $23,000 | $26,000 | $29,000 | $32,000 | $35,000 |
| 100 | $7,000 | $17,000 | $23,000 | $29,000 | $35,000 | $41,000 | $47,000 | $53,000 | $59,000 | $65,000 | $71,000 |
| 250 | $16,000 | $44,000 | $59,000 | $74,000 | $89,000 | $104,000 | $119,000 | $134,000 | $149,000 | $164,000 | $179,000 |
| 500 | $31,000 | $89,000 | $119,000 | $149,000 | $179,000 | $209,000 | $239,000 | $269,000 | $299,000 | $329,000 | $359,000 |
| 750 | $46,000 | $134,000 | $179,000 | $224,000 | $269,000 | $314,000 | $359,000 | $404,000 | $449,000 | $494,000 | $539,000 |
| 1,000 | $61,000 | $179,000 | $239,000 | $299,000 | $359,000 | $419,000 | $479,000 | $539,000 | $599,000 | $659,000 | $719,000 |
Illustration compares $1,000 for documents plus $5 per eligible employee per month for payment support against the selected full-platform PEPM fee. It is not an apples-to-apples service comparison or a guarantee of savings. Setup fees, minimums, broker compensation and included services vary.
Compare my required scope →Illustrative comparison using 500 eligible employees for 12 months. Document prices cover the stated one-time package and do not include administration, testing, filings or legal and tax advice. Final scope is confirmed before purchase.
From request to recommendation
One census. Every ICHRA and CHOICE Arrangement funding path.
A broker or employer submits one secure RFP or RFQ. We independently compare funding paths, add Predictive Risk Intelligence when requested, recommend the strategy, and only then select the best-fit vendors.
Register + submit
Employer or broker opens the case and provides the complete census, current plan and renewal.
Analyze every path
We compare ICHRA, group and funded options using market data, employer economics and workforce geography.
Add risk when requested
For eligible groups, optional intelligence adds claims, Rx, morbidity and projected-risk signals.
Recommend the strategy
The evidence becomes a funding, class, contribution and implementation strategy.
MARKET + PREDICTIVE RISK INTELLIGENCE
The quote shows the price. Intelligence explains the market and workforce behind it.
A basic ICHRA quote uses census and nationwide market data. Add Predictive Risk Intelligence to layer aggregate, de-identified medical and pharmacy signals over local carrier, plan and pricing intelligence before the employer chooses a strategy.
Open the illustrative report →NATIONAL ICHRA MARKET + EMPLOYER DATAState Market ScoreIndividual vs. small-group trendsCarrier + network competitionRating-area + ZIP pricingCurrent plan + renewalBudget + contributions
ADD PREDICTIVE RISK INTELLIGENCEMedical claims signalsPrescription + specialty RxConditions + morbidityHigh-cost claimant rangesProjected 12-month riskData confidence
INDEPENDENT RECOMMENDATIONLet the evidence choose the path
Aggregate risk intelligence informs the employer’s funding strategy. It is not used to determine an individual employee’s eligibility or benefits. Final class design is subject to applicable federal rules and review.
Choose the depth of analysis
Start free. Add intelligence when the decision demands it.
Every employer and broker request begins with registration and a complete census.
BASIC ICHRA QUOTE
No charge
See the market
Employee and family premiums based on names, dates of birth, relationships and home ZIP codes.
Register & request quote →ICHRA FEASIBILITY ANALYSIS
From $1,000
Compare the strategy
Model group versus ICHRA, employer contributions, affordability, classes and employee impact.
Request feasibility →PREDICTIVE RISK INTELLIGENCE
Starting at $5,000
See risk before the quote
Population-based pricing scales with eligible lives. For eligible groups, add authorized, de-identified claims, Rx, specialty-drug and condition signals before choosing group, ICHRA or classes.
Add risk intelligence →AVAILABLE FOR ELIGIBLE GROUPS AS SMALL AS 5 LIVES
Predictive Risk Intelligence
See the claims and Rx story before the quote.
Traditional quotes show price. Our intelligence can review authorized, de-identified medical claims, prescription patterns, specialty-drug signals, clinical conditions and projected high-cost exposure before the funding recommendation is made. That creates a stronger choice among ICHRA, group coverage, employee classes or a split strategy.
De-identified sample
12-Month Population Intelligence
Projected risk1.08
Employees1,060
Average age46
Demographic risk1.30
Predictive claims
12-month risk and claimant ranges
12-month risk and claimant ranges
Prescription intelligence
GLP-1, specialty drugs and recency
GLP-1, specialty drugs and recency
Clinical conditions
Metabolic, kidney, oncology and transplant
Metabolic, kidney, oncology and transplant
Data confidence
Match quality, waivers and missing dependents
Match quality, waivers and missing dependents
Population intelligence
Age bands, classes and participation
Age bands, classes and participation
Funding comparison
Group claims risk versus defined contribution
Group claims risk versus defined contribution
Illustrative, aggregate sample. No employer or member is identified. Results depend on authorization, population, source data and match quality.
One decision system
From market signal to employee enrollment.
CHOICE Arrangements are not one-size-fits-all. We connect market economics, contribution design, platform capabilities and employee experience.
01
CHOICE Advisory
Feasibility, plan strategy, contributions and implementation guidance.
02
Market Intelligence
State-level rate movement, carrier participation and market opportunity.
03
Risk Intelligence
Identify volatility, affordability and execution risks before launch.
04
Platform Comparison
Independent evaluation of administration, enrollment and support models.
05
Benefits Marketplace
Connect medical strategy with dental, vision, life and voluntary benefits.
Contribution modeler
Test the economics in under a minute.
Build a preliminary business case before you request a full market analysis.
Your current plan
Preliminary opportunity
Based on your inputs—not carrier quotes or a formal recommendation.
Projected annual group cost$564,480
Illustrative annual difference$35,280
Per employee / month$59
DirectionReview
A complete analysis should incorporate geography, employee ages, household eligibility, affordability rules, carrier availability and administrative costs.
Request the full analysis →Market intelligence
See where CHOICE is gaining an edge.
Explore preliminary 2027 signals. Select a state to compare individual and small-group rate movement.
Mountain West
Utah Market Score
85
Individual market+6.7%
Small-group market+10.6%
Individual-market movement compares favorably with small-group renewal pressure, creating a strong environment for employer analysis.
Preliminary directional intelligence. Final decisions require employer-specific quoting, compliance review and plan analysis.
Independent third-party vendor analysis
Choose the administrator only after the strategy is clear.
We take the recommended funding, contribution and class design to the vendor market, compare the operational choices and document the tradeoffs.
| Evaluation area | What we examine | Decision impact |
|---|---|---|
| Fit with the strategy | ICHRA design, permitted classes, reimbursement model and employer funding | Confirms the platform can administer the recommendation without redesigning it. |
| Total employer cost | PEPM fees, setup charges, annual minimums, add-ons and implementation costs | Exposes the complete cost—not merely the advertised platform price. |
| Compensation and control | Broker compensation, agent-of-record terms, commissions and client ownership | Clarifies economics and protects the employer and broker relationship. |
| Payment and reimbursement | Premium payment, reimbursement, card, ACH, substantiation and reconciliation | Determines cash flow, employee burden and monthly administration. |
| Payroll and integrations | Payroll feeds, SFTP/API options, eligibility files and implementation support | Reduces manual work and prevents enrollment or funding errors. |
| Market and plan access | Carrier depth, rating-area coverage, networks, provider search and Rx tools | Shows whether employees can find usable coverage where they live. |
| Enrollment and service | Decision support, licensed help, mobile experience, language access and response times | Shapes employee confidence and completion rates. |
| Compliance, reporting and security | Coverage substantiation, notices, reporting, permissions, data handling and audit support | Defines the employer’s operational and compliance exposure. |
| Benefits beyond medical | HSA, FSA, dental, vision, life and voluntary-benefit coordination | Preserves a complete benefits experience rather than a medical-only solution. |
Independent process: the funding recommendation comes first. Vendor relationships, available compensation and material limitations should be disclosed before the employer selects a platform.
A separate operating platform
Need to administer the complete benefits experience?
ChoiceBenefits.ai is the intelligent benefits operating platform for quoting, configuring, enrolling and administering medical, benefits accounts and voluntary benefits. The ICHRA Shop remains your independent ICHRA / CHOICE advisor. Brokers with employers from 2–125 employees can also compare an Angle Health level-funded option with ICHRA / CHOICE.
THE ICHRA SHOP ADVISORY ASSISTANT
Ask JANET™
Ask about ICHRA and CHOICE Arrangements, 2027 state markets, age-based quoting, funding options, Predictive Risk Intelligence, enrollment—or the people behind The ICHRA Shop.
2027 market intelligenceAge + ZIP quotingGroup vs. CHOICEPopulation riskEmployee shopping
Human when it matters: HIPAA, PHI, privacy and protected-data questions go directly to a live professional.
Talk with an expert
Build your CHOICE strategy with us.
Schedule a focused conversation about employer feasibility, market risk, contribution strategy, platform selection or employee enrollment.
Book a CHOICE Arrangement Meeting
- Employer and broker consultations
- Market and contribution analysis
- Benefits Marketplace demonstrations
ICHRA answers
Questions employers and brokers actually ask.
For a complete explanation, read our Guide to CHOICE Arrangements and ICHRA.
Is ICHRA now called a CHOICE Arrangement?
CHOICE Arrangement is the newer public-facing term. Governing rules, plan documents, disclosures and tax reporting may still use “Individual Coverage HRA” or “ICHRA,” so we use both terms where accuracy requires it. See what changed and what did not.
How much does an ICHRA cost?
Cost includes the employer’s defined contribution, administration, broker compensation when applicable, setup or consulting fees, and required documents. The ICHRA Shop compares these costs against the current plan and renewal before recommending a funding path.
ICHRA vs. group health insurance: which is better?
Neither is automatically better. The answer depends on employee geography and ages, carrier and network strength, individual-versus-small-group pricing, employer budget, participation, administration and workforce risk. We compare both instead of forcing one answer.
How is ICHRA affordability tested?
Affordability is generally tested using the employee’s required contribution for the applicable lowest-cost Silver plan after the employer allowance, together with the federal affordability standard and permitted safe-harbor method. Employer-specific testing belongs in the feasibility analysis.
Which employers qualify for an ICHRA?
Employers of any size may consider an ICHRA if the arrangement is designed and administered under applicable federal rules. Employer classes, offer requirements, notices, affordability and interaction with group coverage require careful review.
Does an ICHRA guarantee savings?
No. Results vary by state, rating area, employee population and contribution design. Review our state market intelligence and Market Score methodology.
Can brokers use The ICHRA Shop?
Yes. Brokers keep the client relationship while we provide independent analysis, vendor evaluation, contribution strategy, implementation support and optional Predictive Risk Intelligence.
How is The ICHRA Shop paid?
Compensation may include consulting fees, service fees, administrative fees or insurance commissions depending on the engagement. Read our compensation disclosure.
Start with the decision
Is CHOICE right for your market?
Get an independent analysis of rates, risk, contributions, platform fit and employee impact.
Request a CHOICE Analysis →More employer health strategies
ICHRA is our specialty—not the only arrangement we evaluate.
Compare funding and HRA design before committing to a carrier, administrator or technology platform.
FUNDING
Fully insured, level-funded and self-funded
See how group risk, market access and employer economics compare with ICHRA or CHOICE.
HRA TYPES
ICHRA, QSEHRA and group-plan HRAs
Understand which arrangement fits individual coverage, group coverage, retirees or an HSA strategy.
INTELLIGENCE
Claims, Rx and market insight
Add aggregate workforce risk to nationwide ICHRA Market Scores before choosing the arrangement.
SERVICES
Buy or scope the analysis
Start with a free quote, feasibility from $1,000 or Predictive Risk Intelligence starting at $5,000, priced by eligible lives.