Age, gender, classes, participation and dependent completeness.
AVAILABLE FOR ELIGIBLE GROUPS AS SMALL AS 5 LIVES
Never-before-seen benefits intelligence
See the risk before it becomes the renewal.
Measure an ICHRA population, a traditional small group, a large employer or a selected employee class. We connect demographic, claims, prescription, claimant and individual-market intelligence to the funding decision.
THE ICHRA SHOP™ RISK INTELLIGENCE
De-identified Sample Population
1.08
PROJECTED RISK
8% ABOVE AVERAGE
8% ABOVE AVERAGE
Employees analyzed
1,060
Average age
46
Age 50+
Nearly 45%
Demographic risk
1.30
10x+ category
0 members
Highest projection
≈ $98K
Decision signal: An older-than-average population and projected risk above average warrant a careful comparison between financing group claims and controlling employer cost through a defined contribution.
Diabetes + complications
ElevatedChronic kidney disease
MonitorOncology history
HistoricalTransplant exposure
Detected
Not a diagnosis tool: Results identify aggregate signals for benefits planning—not individual underwriting or medical advice.
Mounjaro
51–60Ozempic
51–60Wegovy
16–20Zepbound
7–10Prezcobix / Dupixent
$25K–$50KKRYSTEXXA
$250K+
Prescription intelligence: Separate current utilization from historical specialty-drug exposure and highlight metabolic, oncology and other high-cost therapies.
Traditional group coverage
The population’s medical and prescription experience can influence plan economics and future renewals, subject to funding arrangement and carrier methodology.
Primary question
How much risk returns?
ICHRA / CHOICE Arrangement
Employees buy individual coverage. The individual-market carrier assumes covered claims risk while the employer establishes a defined contribution.
Primary question
What should we contribute?
The analysis does not force an answer. It compares market strength, population risk, affordability, contribution strategy and execution requirements.
Important gap: dependents not included
This sample analyzes employees only. Spouses and children may materially change the population picture and should be included before a final funding recommendation.
ACTION REQUIRED
This sample analyzes employees only. Spouses and children may materially change the population picture and should be included before a final funding recommendation.
✓ Employee demographics
✓ Claims and conditions
✓ Prescription intelligence
✓ High-cost claimant ranges
△ Spouse and dependent risk
△ Participation and waivers
Confidence matters: Population scope, match rate, waivers and missing dependents are disclosed so a directional signal is not mistaken for a complete actuarial conclusion.
Illustrative, de-identified sample. No employer or member is identified. Counts and ranges are intentionally aggregated. Actual availability and reliability depend on authorization, population, source data and match quality.
One population. Multiple intelligence layers.
Far more than diabetes, cardiovascular and prescription flags.
See what is driving risk, how recently it occurred, whether exposure is concentrated, and how the intelligence changes an ICHRA-versus-group decision.
Demographic, morbidity and combined 12-month scores.
Claimant ranges, conditions, transplant and oncology exposure.
GLP-1 use, specialty therapies, cost ranges and recency.
Rates, carriers, geography, providers and networks.
Current cost, renewals, contributions and PEPM scenarios.
Match rate, scope, waivers and missing dependents.
Stay group, move to ICHRA, use hybrid or investigate.
Inside a de-identified sample report
See the population story—not just a score.
Current conditions, prescription activity, historical specialty exposure, claimant concentration and data gaps appear together so the funding recommendation has evidence behind it.
1.08
12-MONTH PROJECTED RISK
8% ABOVE AVERAGE
8% ABOVE AVERAGE
1,060
EMPLOYEES ANALYZED
46
AVERAGE AGE
Nearly 45%
AGE 50 OR OLDER
1.30
DEMOGRAPHIC RISK
0 at 10x+
HIGHEST RISK BAND
Approx. K
HIGHEST PROJECTION
Morbidity & Conditions CURRENT
Type 2 diabetes with complications
51–60 members
Type 2 diabetes
51–60 members
Chronic kidney disease
7–10 members
Additional exposure
Transplant + oncology history
Prescription Intelligence ACTIVE WATCH
Mounjaro / Ozempic
51–60 each
Wegovy / Zepbound / Trulicity
7–20 each
Prezcobix / Dupixent
K–K
Descovy / Ferumoxytol / Praluent
K–K
Historical Specialty Exposure MONITOR
KRYSTEXXA
K+ • 1–3 members
Oncology therapies
Kisqali • Kadcyla • Neulasta
Why history matters
Recurrence + trend potential
Completeness & Confidence ACTION
Employees
Included
Spouses and children
Not yet included
Waivers and participation
Validate
Next step
Complete dependent analysis
Illustrative, de-identified example. No employer or member is identified. Counts are aggregated and some are shown as ranges. Results depend on authorized data, population scope and match quality.
From intelligence to intervention
Measurable data is valuable. Actionable data is better.
The report should not end with a score. The ICHRA Shop translates each signal into a targeted partner strategy, coordinates a secure handoff and establishes the outcomes to measure at the next review.
01 · IDENTIFYFind the cost and access driver
02 · ROUTEMatch the signal to a partner
03 · MEASURETrack engagement and impact
Amazon One Medical
Evaluate a coordinated response when the report identifies primary-care access gaps, pharmacy opportunity, chronic-condition needs or specialty-drug pressure.
- Virtual and in-person primary-care strategy
- Amazon Pharmacy and Rx pathway review
- Specialty-drug and chronic-care opportunity
- Onsite or workforce-access evaluation where available
Measure nextActivation, primary-care engagement, pharmacy utilization, care access and trend indicators.
Build the Amazon Action Plan →
First Stop Health
Evaluate a virtual-care response when access, avoidable utilization, primary care or behavioral-health signals can be addressed across a distributed workforce.
- Virtual urgent and primary-care evaluation
- Behavioral-health access strategy
- Navigation and early-intervention opportunity
- Multi-location employee engagement plan
Measure nextRegistration, visits, resolved episodes, access time, avoidable utilization and employee engagement.
Build the First Stop Action Plan →
Exemplar + Hy-Vee
Evaluate a locally anchored solution when Iowa concentration, care access, pharmacy patterns or worksite opportunity make a regional strategy more useful than a national-only approach.
- Regional primary-care access evaluation
- Hy-Vee pharmacy alignment opportunity
- Nearsite or onsite strategy review
- Local employee communication and engagement
Measure nextParticipation, primary-care access, pharmacy engagement, local utilization and employee experience.
Build the Iowa Action Plan →
SECURE ROUTING
No protected health information is sent from this page. The ICHRA Shop confirms employer authorization, minimum reporting thresholds, partner fit and the approved secure transfer method before any data handoff. Partner availability, contracting and services vary by location and engagement.
Risk Intelligence pricing
Start with the decision you need to make.
Scope depends on population size, available data, match quality and whether the work covers employees, dependents, a selected class or the complete population.
Market Intelligence Report
$500
- One market or rating-area review
- Carrier, plan and pricing direction
- Market Score and employer-fit signals
- No claims or Rx intelligence
Predictive Risk Report
From $5,000
- 12-month projected risk
- Conditions, claimants and Rx
- Group-versus-ICHRA implications
- Data confidence review
Renewal Command Center
Custom scope
- Predictive Risk Report
- Budget and contribution modeling
- Market and carrier analysis
- Executive dashboard and plan
Responsible intelligence
Aggregate planning—not individual underwriting.
Risk Intelligence supports employer benefits decisions. It is not used to determine an employee’s eligibility or contribution based on health status and does not replace actuarial, legal or medical advice.
Protected data path
Janet and Brad provide a secure upload method. Sensitive files should not be emailed.
De-identified reporting
Findings use aggregate counts, ranges and signals.
Limits disclosed
Match quality, missing dependents and data gaps appear with the recommendation.