The ICHRA Shop · The Independent ICHRA & CHOICE Advisory|ChoiceBenefits.ai · The Intelligent Benefits Operating Platform →
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THE INDEPENDENT ICHRA & CHOICE ADVISORY

Independent intelligence for ICHRA & CHOICE.

Start your ICHRA, understand your workforce risk, choose the right administrator, or get the documents you need. Choose a service below and take the next step.

Start Instant ICHRA · $12per eligible employee / monthStart with a sample proposalCheck out our subscription

Intelligence before administration. Get independent guidance on costs, contributions and the services that fit your team. Protected data handling →

2027 RENEWAL GUIDE

Build a smarter ICHRA renewal.

Balance geographic contributions and check what employees will pay.

Get the guide
For employers and brokers

Instant Documents

Plan documents and compliance support for fully insured, level-funded, self-funded and ICHRA / CHOICE plans: Section 125, ERISA Wrap + SPD, HRAs, COBRA, ACA reporting and Form 5500. Select the documents and services your employer needs.

Explore Instant Documents →
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 →
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.
Instant ICHRA at $12 PEPM$72,000/yr
CHOOSE YOUR SERVICE LEVEL

Documents only or full-service Instant ICHRA.

Choose a one-time document package or ongoing administration at $12 per eligible employee per month. Each has its own price and service scope.

Potential cost avoided
DOCUMENTS ONLY

$999 one time

ICHRA plan document, SPD, employee notice and applicable attestations. Employer manages ongoing administration.

Get the documents
FULL-SERVICE INSTANT ICHRA

$12 per eligible employee / month

Documents, employer setup, employee shopping, enrollment and payment workflows, eligibility and reimbursement tracking, reporting and reconciliation. Final scope confirmed before launch.

Start Instant ICHRA

Full-service administration: see the annual math.

Monthly administration = eligible employees × $12. Annual administration = monthly fee × 12.

Eligible
employees		Instant ICHRA · $12 PEPM
Monthly administration		Annual administration
Monthly fee × 12		Illustrative annual savings vs. other administration rates
vs. $20 PEPMvs. $25 PEPMvs. $30 PEPMvs. $35 PEPMvs. $40 PEPMvs. $45 PEPMvs. $50 PEPMvs. $55 PEPMvs. $60 PEPMvs. $65 PEPM
10$120$1,440$960$1,560$2,160$2,760$3,360$3,960$4,560$5,160$5,760$6,360
25$300$3,600$2,400$3,900$5,400$6,900$8,400$9,900$11,400$12,900$14,400$15,900
50$600$7,200$4,800$7,800$10,800$13,800$16,800$19,800$22,800$25,800$28,800$31,800
100$1,200$14,400$9,600$15,600$21,600$27,600$33,600$39,600$45,600$51,600$57,600$63,600
250$3,000$36,000$24,000$39,000$54,000$69,000$84,000$99,000$114,000$129,000$144,000$159,000
500$6,000$72,000$48,000$78,000$108,000$138,000$168,000$198,000$228,000$258,000$288,000$318,000
750$9,000$108,000$72,000$117,000$162,000$207,000$252,000$297,000$342,000$387,000$432,000$477,000
1,000$12,000$144,000$96,000$156,000$216,000$276,000$336,000$396,000$456,000$516,000$576,000$636,000
SEPARATE OPTIONAL SERVICE

The ICHRA Shop advisory & support

Employer guidance, contribution planning, implementation coordination, enrollment support and renewal planning. These annual fees are separate from the $12 PEPM administration shown above.

Eligible employeesAnnual service fee
2–10$750
11–20$2,500
21–49$7,500
50–100$12,500
101+Custom quote

Example · 10 employees: $120/month administration ($1,440/year). If annual advisory is selected, add $750/year separately. Scope is confirmed in your service agreement.

Choose your support

Savings equal (comparison PEPM − $12) × eligible employees × 12 months. Documents Only is a separate $999 one-time option and is not added to the Instant ICHRA totals. Premiums and optional annual advisory fees are excluded. Compare included services, minimums and any additional fees before selecting a provider.

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.

01
Register + submit

Employer or broker opens the case and provides the complete census, current plan and renewal.

02
Analyze every path

We compare ICHRA, group and funded options using market data, employer economics and workforce geography.

03
Add risk when requested

For eligible groups, optional intelligence adds claims, Rx, morbidity and projected-risk signals.

04
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
Keep groupTraditional coverage remains the stronger fit
ICHRA / CHOICEDefined contributions create the better answer
Level / self-fundedRisk supports further funding analysis
Classes / split strategyPermitted classes support different solutions

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.

Start an employer or client RFP →See Predictive Risk Intelligence
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.

Open the Interactive Sample →Request Secure Intake
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
Prescription intelligence
GLP-1, specialty drugs and recency
Clinical conditions
Metabolic, kidney, oncology and transplant
Data confidence
Match quality, waivers and missing dependents
Population intelligence
Age bands, classes and participation
Funding comparison
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 areaWhat we examineDecision impact
Fit with the strategyICHRA design, permitted classes, reimbursement model and employer fundingConfirms the platform can administer the recommendation without redesigning it.
Total employer costPEPM fees, setup charges, annual minimums, add-ons and implementation costsExposes the complete cost—not merely the advertised platform price.
Compensation and controlBroker compensation, agent-of-record terms, commissions and client ownershipClarifies economics and protects the employer and broker relationship.
Payment and reimbursementPremium payment, reimbursement, card, ACH, substantiation and reconciliationDetermines cash flow, employee burden and monthly administration.
Payroll and integrationsPayroll feeds, SFTP/API options, eligibility files and implementation supportReduces manual work and prevents enrollment or funding errors.
Market and plan accessCarrier depth, rating-area coverage, networks, provider search and Rx toolsShows whether employees can find usable coverage where they live.
Enrollment and serviceDecision support, licensed help, mobile experience, language access and response timesShapes employee confidence and completion rates.
Compliance, reporting and securityCoverage substantiation, notices, reporting, permissions, data handling and audit supportDefines the employer’s operational and compliance exposure.
Benefits beyond medicalHSA, FSA, dental, vision, life and voluntary-benefit coordinationPreserves 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.

See the 26 ICHRA platforms we evaluate →
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.

Visit ChoiceBenefits.ai →
POWERED BY CHOICEBENEFITS.AI

Ask JANET™

Use JANET for general ICHRA and CHOICE education. For an employer recommendation, vendor selection or protected-data question, work directly with Brad and Nicole at 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.

Open 2027 Market IntelligenceTalk with a live expert
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
Choose a time →
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.

CHOICE Arrangements, formerly ICHRA

A CHOICE Arrangement lets an employer fund qualifying individual health coverage selected by employees. Get independent advice on costs, employee impact, market fit and vendor selection.

What is a CHOICE Arrangement? Read our CHOICE Arrangements guide.

NETWORK CONTINUITY + SPLIT-PLAN COMPARISON

Compare the funding. Protect the care relationships.

Bulk-review doctors and facilities using exact plan-network evidence. See confirmed coverage and unresolved checks, then compare one plan or a combination—including administration costs.

Open the network & split-plan tool

Supplied evidence review; live directory connections are not yet included.

Turn market insight into an employer decision.

See how we compare funding options, employer contributions and employee impact in a sample proposal. Brokers can also access our resources and ongoing guidance with The ICHRA Shop Broker Membership for $199 per month.

Start with a sample proposalCheck out our subscription

Ready for your own comparison? Request an employer-specific analysis.