Two things we do, done properly.
Independent analysis, you and your people come first, and outcomes based on your goals, not those of the industry that profits from your losses.
Plan review
We look at what you provide today, how you fund it, and where your dollars actually go. Then we show you a more efficient way to structure it, one that reduces fixed costs and adds medical services and support at no increased cost, designed to lower the claims costs and improve the bottom line of you and your people.
ICHRA and CHOICE Arrangements are the future
A defined-contribution approach: you set a monthly contribution, and your people choose the coverage that fits them. It is a way to control cost without taking benefits away.
A defined contribution. Individual coverage.
CHOICE Arrangements, formerly called ICHRAs, let employers reimburse qualifying individual coverage instead of selecting a group plan. We assess local coverage, contributions, employee costs and compliance before recommending a change.
Read the explainerWe review your workforce, current benefit design and budget, then model contributions and permitted employee classes to build a sustainable and affordable program where everyone wins.
We help prepare the rollout, employee communications, enrollment support and reimbursement administration.
We review employee experience, plan performance and changing costs, and support your team through renewal.
How a CHOICE Arrangement works.
The employer sets the budget. Employees choose coverage. A documented reimbursement process connects the two.
- 01
Design the benefit. Review employee needs, available individual plans and the budget. Choose permitted employee classes, eligible expenses, contribution amounts and a start date. Model affordability before changing existing coverage.
- 02
Notify employees. Prepare written plan documents and give current employees notice generally at least 90 days before the plan year. Explain the allowance, coverage requirements, opt-out rights and Marketplace tax-credit effects.
- 03
Employees choose coverage. Help employees compare doctors, hospitals, prescriptions, deductibles and networks. They enroll in qualifying individual insurance on or off the Marketplace, or qualifying Medicare coverage.
- 04
Verify coverage and expenses. Confirm qualifying coverage annually and for the months being reimbursed. Review documentation for premiums and any other medical expenses allowed by the written arrangement.
- 05
Reimburse approved expenses. The employer pays tax-free reimbursements up to the allowance when requirements are met. Employees pay costs above it. Unused allowances are handled under plan terms, not automatically paid as cash.
- 06
Support and review. Provide enrollment and reimbursement support, monitor compliance, and review premiums, affordability and employee experience before renewal.
Four steps, no surprises.
If your plan is already working, we will tell you at step two. If it is not, we will show you why and what to do about it.
Listen
Tell us what your plan costs today and what it is actually doing for your people.
Review
We compare your current plan with options that fit the budget you really have.
Decide
You choose the direction. We lay out the trade-offs in plain terms, with your people and your budget at the center.
Support
We help with the rollout and stay in touch through renewal, when the numbers move again.
A better benefits plan starts with a conversation.
Let’s find out what’s possible for your business.