01
Employer sets the budget
The employer defines eligible classes and tax-advantaged contribution amounts.
Employer guide
What are CHOICE Arrangements?
CHOICE Arrangement is the new public-facing term for ICHRA. The governing rules, plan documents and reporting may still use Individual Coverage HRA or ICHRA.
The name is changing—not the need for strategy
CHOICE Arrangements, formerly known as ICHRA.
CMS and SBA now use CHOICE Arrangements in public-facing employer resources. The governing rules and many compliance materials still use “individual coverage HRA” or “ICHRA,” so The ICHRA Shop uses both terms during the transition.
02
Employees choose coverage
Employees select individual coverage based on doctors, prescriptions, household needs and budget.
03
Administration supports the strategy
The right platform handles eligibility, substantiation, reimbursements and ongoing service.
ICHRA PIONEERS · FOUNDED FEBRUARY 2020
The Wizards of ICHRA & CHOICE Arrangements.
The ICHRA Shop was the first to dive fully into independent ICHRA consulting in February 2020—just after employers could begin offering the arrangement. Six years later, we remain category leaders, helping employers and brokers turn a new idea into a practical, measurable benefits strategy.
Six years ahead of the market
- 2020: Built one of the first dedicated ICHRA consulting practices.
- Today: Compare every funding path with cost, market and optional risk intelligence.
- Next: Lead employers and brokers into the CHOICE Arrangement era.
We do not start with a vendor. We determine how the employer should finance healthcare—then select the right partners to carry out the strategy.
Key milestones
How the market arrived here.
October 2017Executive action called for expanded HRA options.
June 2019Federal final rules established individual coverage HRAs.
January 2020Employers could begin offering ICHRAs.
February 2020The ICHRA Shop was founded.
2026CMS and SBA introduced CHOICE Arrangements as the public-facing name.
Frequent questions
Is CHOICE a different benefit?
Not as a matter of governing law. CHOICE Arrangement is the newer public-facing term; federal rules, plan documents, disclosures and reporting may still use Individual Coverage HRA or ICHRA.
Does it always save money?
No. Results depend on geography, workforce, carrier availability, contributions, affordability and administration. We compare the real alternatives.
How does The ICHRA Shop help brokers evaluate 40+ vendors?
Brokers should not have to research and interview more than 40 ICHRA vendors to find the right fit. We do that work for them. The ICHRA Shop independently analyzes the employer’s workforce, markets, contribution strategy, service needs and—when requested—risk intelligence. We then recommend the best-fit vendor or combination of partners, support implementation and enrollment, and protect the broker’s client relationship.
Ready to explore a CHOICE Arrangement?
Start with independent cost, market and risk analysis.