CHOICE / ICHRA Intelligence
We track which employers are moving to CHOICE Arrangements — formerly known as ICHRAs — what it costs, and whether it’s working.
What is CHOICE (formerly ICHRA)?
A CHOICE Arrangement is the federal name now used for the employer benefit structure historically known as an Individual Coverage HRA (ICHRA): employers give employees a tax-free monthly allowance to buy individual health insurance instead of enrolling everyone in a group plan selected by the employer.
The underlying mechanics remain the same: the employer's liability is capped at the allowance amount, employees choose individual coverage, and reimbursements retain their tax advantages. Quyra treats CHOICE and ICHRA as one continuous market and data category.
Full CHOICE / ICHRA explainer →For Your Company
Model how a move to a CHOICE Arrangement (formerly ICHRA) could change employer costs using 2026 benchmarks, administrator assumptions, and documented market examples.
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Georgetown CHIR's new multi-stakeholder study finds the ICHRA/CHOICE service ecosystem is expanding, while employer adoption remains limited and concentrated among smaller employers.
Read →Georgia Access has launched Georgia Access For Business, giving employers of all sizes a state-backed path to evaluate and implement CHOICE Arrangements with NFP, zizzl health, and GetInsured.
Read →eHealth and BerniePortal are embedding CHOICE Arrangements into an existing benefits administration and broker distribution channel serving more than 5,000 employers and 1,000 brokers.
Read →Newly verified employer implementations from the same canonical tracker feed.
New England Life Care
New England (ME, MA, NH, VT)
Reported impact
40% healthcare cost reduction; $3.8M redirected to wage optimization
New England Life Care moved from traditional group medical coverage to ICHRA around 2021. Employer HR leadership credits benefitbay and Gallagher; Ambetter documents 180+ employee plan selections, 40% lower healthcare costs and $3.8M redirected to wage optimization.
Source: Caryn Goulet / New England Life Care — five-year ICHRA case study acknowledgment
All-In Delivery Partners LLC
West Jordan, Utah
Reported impact
Avoided an 82% renewal increase; more than $100,000 annual increase avoided
All-In Delivery Partners switched from traditional group coverage to an ICHRA administered by Take Command after an 82% renewal increase. Employees received individual-plan choice and the employer reported more predictable costs and very light administration.
Source: Take Command — All-In Delivery Partners case study
Kampgrounds Enterprises, Inc. (KEI)
Southern California; Northern Arizona; St. Louis area
Reported impact
30% reduction in healthcare costs
Multi-state outdoor hospitality operator KEI transitioned from a traditional group plan to an ICHRA administered by Take Command. The administrator case study reports 30% lower healthcare costs and improved employee satisfaction and workforce stability.
Source: Take Command — Kampgrounds Enterprises, Inc. (KEI) case study
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Every Tuesday: employer adoption data, regulatory updates, administrator moves, and rate intelligence — written for benefits practitioners, not HR generalists.
Employer adoption data, regulatory moves, and administrator intelligence — every Tuesday. Written for practitioners, not generalists.