Feasibility & renewal review
From $1,000Compare ICHRA with group and level-funded options. Review your workforce, local markets, contribution choices and employee impact.
Compare my renewal →THE INDEPENDENT ICHRA & CHOICE ADVISORY
Independent intelligence for ICHRA & CHOICE.
Benefits for your business. Coverage for your family. Support for your clients. Start with the path that fits you.
START HERE · CHOOSE YOUR PATH
Who are you here for?
Choose the option that fits you. We’ll take you to the right tools and support.
FOR MY BUSINESSI’m an EmployerCompare your renewal, set a benefits budget or start ICHRA / QSEHRA for your team.Explore employer options →FOR MY COVERAGEI’m an EmployeeShop benefits, review providers and prescriptions, or get help choosing coverage.Shop benefits & get help →FOR MY CLIENTSI’m a BrokerRefer a group, request an analysis or get support delivering benefits to your clients.Open broker resources →
Already invited by your employer? Open employee enrollment → Use your employer’s invitation for your group’s benefit details.
Intelligence before administration. Get independent guidance on costs, contributions and the services that fit your team. Protected data handling →
YOUR RENEWAL. MORE OPTIONS.
Let us compare your renewal.
We work directly with employers or alongside their brokers and advisors.
Send the RFP you already have. Upload your current plan, renewal rates, employee census and employer contributions. We’ll compare available group, level-funded and ICHRA options—and show what each means for your business and employees.
1 Add your company and contact2 Attach your renewal & RFP files3 Submit for our team’s review
Upload your renewal Excel, CSV, PDF or Word · use your existing filesRead the renewal guide →
THE ICHRA SHOP · INDEPENDENT INTELLIGENCE
Your feasibility analysis, from census to recommendation.
Design the contribution, review the workforce and choose the operating partner—with one connected process.
WHAT YOUR ANALYSIS CONNECTSAll the decisions.
All the decisions.
One clear strategy.
Choose a step to explore the work behind your recommendation.
Start my feasibility analysis →Health intelligence requires at least 30 covered lives. Scope and data permissions are confirmed first.THE EMPLOYEE POINT OF VIEW
What matters to your employees?
Start with how people live, work and use their benefits. Then compare the coverage and support they need.
Provider Match
Can I keep my doctor? Review doctors, hospitals and local networks before choosing a plan.
Start a provider review →Prescription needsReview medications, formulary coverage, preferred pharmacies and plan restrictions.
Review coverage questions →Household costsLook at the allowance, premium gap and family coverage choices—not just the monthly premium.
Explore family coverage costs →Shopping & supportExplore medical and additional benefits, understand reimbursements and get enrollment help.
Explore employee benefits →Provider and prescription participation must be confirmed for the exact plan and effective date. This page does not perform a live network or formulary match.
Help my team choose coverage →02 / 09 · OPTIONAL WORKFORCE DYNAMICS
Add Workforce Intelligence
Bring aggregate medical, prescription and projected workforce-risk signals into the funding discussion. Understand the population behind the census before choosing the contribution strategy.
Explore Workforce Intelligence →How this intelligence is used
This is a service roadmap, not a completed employer analysis. Workforce Intelligence is optional and uses appropriately authorized inputs. Aggregate risk informs employer funding strategy; individual health conditions do not determine eligibility, contributions or employee classes. Verified rates, affordability methods and final plan terms require case review.
OUR SERVICES
Find the help you need.
Compare your options, launch a plan, buy documents or get ongoing support.
Instant CHOICE
Starting at $12Per employee / month. Set up your group, add your census, choose your administration path and guide employees into enrollment.
Start Instant CHOICE →Instant QSEHRA
$12Per benefits-eligible employee / month. For eligible employers generally under 50 full-time employees, including equivalents, that do not offer a group health plan.
Start Instant QSEHRA →Plan documents
One-time pricingSection 125 / POP, ERISA Wrap / SPD, FSA, HRA, dependent care, ICHRA, QSEHRA and other employer-specific document packages.
Choose my documents →Compliance bundle
$5 PEPM + setupCoordinate applicable COBRA, ERISA Wrap / SPD, PCORI and ACA reporting. Setup is quoted; taxes and government fees are separate.
Explore compliance support →Provider Match & enrollment
Support scoped for your teamReview provider and prescription questions, compare household costs and connect employees with shopping and enrollment assistance.
Explore Provider Match →Not every contribution strategy fits every ICHRA vendor. Our Third Party Vendor Analysis matches the proposed contribution design and employee needs with an administrator and ancillary benefits mix, subject to confirmed capabilities and availability.
The strategy must fit the vendor.Third Party Vendor Analysis →
Executive Insights & Workforce Intelligence.Health overview, key drivers, scoring & wellness →
A DEDICATED MEDICARE PATH
Medicare deserves its own conversation.
Explore Medicare Advantage, Medicare Supplement and prescription-drug coverage through our ClearMatch referral link. A licensed ClearMatch agent can help with plan comparisons and enrollment questions.
Open Medicare referral center →Go directly to ClearMatch ↗Use our dedicated partner link to start your referral.
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 Workforce 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.