Establish the options.
Compare current coverage, renewal and available funding paths on a consistent census.
Open quote workspace →JANET // AI BENEFITS INTELLIGENCE ADVISOR
THE ICHRA SHOP · YOUR BENEFITS GUIDE
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Ask a benefits question.
Get a useful next step.
Justified Analytics, Navigation, Economics & Transparency
Real plan options.
Clear explanations.Answers you can hear.
A conversational advisor for brokers and employers: understand healthcare costs, compare benefit strategies, evaluate predictive risk, and explore medical, pharmacy and specialty Rx cost drivers. Bring better analysis to every benefits decision.
NEW · INDIVIDUAL HEALTH QUOTES
A new way to quote. A person to help you finish.
Ask JANET, compare available plans, then personalize your quote and select a plan. Sign broker permission and request an agent call to complete the application.
Get your individual quotes here → · Calculate my estimated subsidy →
THE CHOICEBENEFITS DECISION PROCESS
QUOTE → MEASURE → PREDICT → DECIDE
Understand the economics.
Examine employer and employee costs, contributions, affordability and geography.
Model contributions →Explore the exposure.
Evaluate authorized population signals, medical costs, pharmacy and specialty Rx, with data limits in view.
Explore risk intelligence →Make the rationale clear.
Weigh cost, risk, access and employee impact. Document assumptions and the reasons for the selected strategy.
Compare strategies →Not just an answer. The analysis behind it.
CHOOSE HOW JANET HELPS
One advisor. Clear paths forward.
JANET connects each audience to the right ChoiceBenefits experience and explains what to consider next.
Help me shop benefits
Start with the employer contribution, compare medical choices and add benefits that fit the employee’s family.
- Understand the employer allowance
- Compare medical plan choices
- Consider family and split-plan options
- Add dental, vision, life, HSA and voluntary benefits
Help me build the funding strategy
Begin with one census, compare viable funding paths and move the selected strategy toward enrollment.
- Model fully insured, level-funded and self-funded options
- Evaluate CHOICE / ICHRA and class strategies
- Add Predictive Risk Intelligence when appropriate
- Configure benefits, enrollment and renewal support
JANET helps identify, compare and explain options. Licensed professionals, carriers, underwriters and employers remain responsible for final plan and funding decisions.
JANET · MEDICAL PLANS
Shop Medical Plans.
Compare off-Exchange medical plans for you and your family. Enter your ZIP and household details, choose a coverage date, then see available plans and monthly premiums.
How it works
- Enter your home ZIP. If it covers more than one county, choose where you live.
- Choose your coverage date and add the people who need coverage.
- Search plans. Add an employer allowance to estimate your share of the monthly premium.
Plan availability varies by location and year. An empty result does not mean coverage is unavailable. Historical 2026 prices are never shown as 2027 rates.
01 · Your location02 · Your household03 · Choose your plan
Enrollment privacy & HIPAA · Household rating details are sent to CMS for off-Exchange quotes. Do not enter names, SSNs or clinical records.
Source: CMS Finder API. Birth dates and rating details are sent securely for the search. We save your household details only if you submit an enrollment-assistance request with permission. Confirm premiums, provider networks and prescription coverage before enrollment.
VERIFIED MARKET DATA
Ask JANET what the market is showing.
JANET can explain published industry statistics and guide users into live quoting. She identifies the source, year and limits of every answer instead of presenting national averages as employer-specific results.
500,000+ covered lives
The Council reports a conservative floor of more than half a million Americans covered through ICHRA as of early 2026.
20,000+ businesses
More than 20,000 U.S. businesses were reported as offering ICHRA or QSEHRA, including 12,700+ offering ICHRA.
$459 median allowance
The report shows a $567 median premium, $105 median employee flex-up and an 81% allowance-to-premium ratio per covered life.
81% chose to flex up
Most employees paid above the allowance for preferred coverage; 19% selected a plan fully covered by the employer allowance.
56% under age 45
Primary subscribers through ICHRA were younger than the broader ACA population and frequently selected Silver or Gold coverage.
Year + ZIP + county + age
Colorado plan availability and premiums vary locally. JANET asks for the inputs, then opens the live quote source for the current result.
Open Colorado individual quoting →Sources: HRA Council, Growth Trends for ICHRA & QSEHRA, Volume Five: 2025-2026; ColoradoHealth.com individual quoting. Published statistics are educational and are not a carrier quote, affordability determination or plan recommendation.
START DIFFERENTLY
Start with the employer. Understand the population. Then evaluate the funding options.
Benefits decisions often start with the options presented by carriers, underwriters and vendors. ChoiceBenefits starts with the employer and the information appropriately available for the decision.
Identify
Surface the census, cost, geography, participation and risk signals that may matter.
Compare
Model more than one funding path rather than beginning with a predetermined product.
Explore
Turn the signals into better questions for carriers, underwriters, advisors and decision-makers.
ONE POPULATION. EVERY FUNDING PATH.
Stop choosing the product first. Understand the population first.
JANETBENEFITS INTELLIGENCE
TRADITIONAL GROUPLEVEL-FUNDEDSELF-FUNDEDCAPTIVESCHOICE / ICHRAHRAsVOLUNTARY BENEFITS
Census demographicsPopulation-risk signalsClaims when authorizedPrescription exposureSpecialty RxHigh-cost concentrationProjected cost signalsCondition + comorbidity patternsContribution strategyAffordability2027 state rate intelligenceAge + ZIP pricingCarrier optionsFunding scenariosEnrollment resultsRenewal information
POPULATION HEALTH INTELLIGENCE™
Predictive Risk Intelligence, made easier to interrogate.
Ask what drives the risk, how complete the data is, and what it means for the funding decision. JANET helps explain aggregate medical, pharmacy and specialty Rx signals and connects you to the appropriate analysis.
AVAILABLE WHEN DATA AND AUTHORIZATION SUPPORT IT
Signals, not diagnoses.
- Aggregate population, age and demographic patterns
- Claims, Rx, specialty-Rx and comorbidity signals when appropriately authorized
- High-cost claimant concentration, projected severity and emerging population trends
- Renewal drivers, funding paths, contributions and stop-loss questions
- 2027 individual-market rates by state, rating area, ZIP code and age when quote data is available
JANET does not diagnose medical conditions, provide medical advice, replace underwriting or independently determine which plan an employer should purchase. Questions involving HIPAA, protected health information or secure data handling are sent to a live professional.
THE CHOICE BENEFITS ARCHITECTURE
Intelligence, execution and platform—each with a clear job.
ChoiceBenefits.ai
The Benefits Operating System connecting quote, funding, benefits, enrollment, administration and renewal.
JANET™
The AI Benefits Intelligence Advisor powered by the Benefits Intelligence Engine to organize signals, compare scenarios and guide the next step.
ACE Method
Allowance • Carrier • Enrollment—the execution and enrollment methodology that moves strategy into action.
EMPLOYER + BROKER TOOLS
Build a contribution strategy around the census.
Compare employee allowances, dependent support, class affordability floors and annual employer budgets with 2027 affordability assumptions.
Open ICHRA contribution analysis →