A CHOICE Arrangement gives your company fixed, predictable health benefit costs — no rate surprises, no participation minimums, and full choice for every employee. We help businesses with 10 to 500 employees make the switch nationwide.
What Is a CHOICE Arrangement?
A CHOICE Arrangement — short for Custom Health Option and Individual Care Expense Arrangement, and formerly known as ICHRA — replaces traditional group coverage with a tax-free employer allowance that employees use to buy individual insurance. Driven by companies seeking relief from annual group rate increases, adoption has grown nearly 10× since HHS authorized the model in 2020, according to HHS and KFF reports.
You Set a Monthly Amount
As the employer, you decide how much to contribute per employee per month — by class if needed (full-time vs. part-time, salaried vs. hourly). That is your maximum cost. Period.
Employees Shop Their Own Market
Each employee shops the ACA marketplace or off-exchange individual plans in their state. They choose based on their own doctors, prescriptions, and family needs.
You Reimburse Tax-Free
Employees submit proof of premium. You reimburse up to your set amount — fully tax-deductible for you, tax-free income for them. No W-2 impact.
CHOICE Arrangement Employer Adoption (thousands)
Source: HHS/EBSA reports · *2026 projected
Avg. Employer Cost Per Employee Per Year
Source: KFF Employer Health Benefits Survey · CHOICE Arrangement = employer-set contribution cap
Explore
Every business is different. Start with the question that matters most to you.
See how a CHOICE Arrangement compares to a traditional group plan on budget control, plan choice, participation rules and renewal risk.
Steep renewals, a diverse team, a tight budget or fast growth? Here is who a CHOICE Arrangement fits best, from 10 to 500 employees.
Not the right fit? Level funded group plans give healthier groups predictable monthly costs and a potential year-end refund.
CHOICE Arrangement specialists licensed in all 50 states, with a dedicated advisor from strategy call through year-round support.
Simple Process
From first call to first reimbursement, we handle the complexity. Most employers are fully set up and employees enrolled within 30 days.
1
Free Strategy Call
We learn about your business — headcount, current spend, renewal timeline, and goals. No pressure, no jargon.
2
Benefit Design
We model CHOICE Arrangement contribution structures, level funded alternatives, or a hybrid — showing exact cost scenarios before you commit to anything.
3
Employee Enrollment
Our advisors personally guide every employee through shopping and enrolling in the plan that best fits them.
4
Year-Round Support
Annual strategy reviews, mid-year questions, carrier issues — we stay engaged as a true partner, not just at renewal.
