Your Health Plan Renewal Increased. How Should You Evaluate ICHRA?
Build a fair comparison of group renewal, revised group coverage and ICHRA.
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When Keeping Group Health Insurance May Be the Better Decision
A balanced framework for deciding when to stay with group coverage.
What Happens Between Choosing a Plan and Actually Having Coverage?
Track selection, required payment and active coverage as separate milestones.
What Does ICHRA Actually Cost?
The expenses beyond the employer contribution, with separate employer and employee budgets.
The Same ICHRA Allowance, Three Different Employee Experiences
Fictional scenarios separate allowance ceilings, reimbursements and remaining premiums.
The First ICHRA Renewal: What Employers Should Measure
A practical scorecard for spending, participation, coverage activation and employee feedback.
ICHRA Provider Pricing Transparency Report: September 2026
What six provider brands disclose about administration fees, and what still requires a written quote.
How to Compare Three ICHRA Provider Quotes Fairly
Normalize billing units, minimums, fees and service scope before choosing an administrator.
Can I Keep My Doctor With ICHRA?
Check the exact plan, network and prescriptions before choosing coverage.
Zorro announces Ori, with a broader rollout planned for October
The August announcement introduces an AI benefits navigator and expanded concierge support. Availability and outcomes still need separate verification.
What the 2026 HRA contribution figures mean for an employer budget
The HRA Council reports allowance and premium medians. Here is how to interpret the unit, distribution and limits before using them in a benefits budget.
The 2027 ICHRA planning outlook: what is known and what still needs a local answer
Connect affordability, enrollment timing, carrier availability and evidence quality before designing next year’s ICHRA.
State ICHRA policy in 2026: incentives, amendments and proposals
A primary-source review of Mississippi, Indiana, Florida and Texas, with enacted benefits kept separate from proposals and claim availability.
Justworks adds ICHRA through a Thatch partnership
The July launch brings ICHRA into an existing small-business platform. Buyers still need to establish service ownership and total cost.
ICHRA policy watch: distinguish agency action from legislation
A September review of CHOICE terminology, current guidance, H.R. 5498 and the introduced ICHRA Permanency Act.
ICHRA in 2026: HSA eligibility and tax-credit changes employees need to understand
New HSA guidance and the removal of excess advance-credit repayment caps change the questions employees should ask about their coverage.
How large is the ICHRA market? Read the 2026 numbers correctly
A comparison of contributed employer records, covered-life estimates, HealthSherpa channel growth and federal Marketplace selections.
HRA Council releases its 2026 adoption report
The August report expands the evidence available on HRA adoption. Its changing contributor base is essential to interpreting growth.
Employers are evaluating ICHRA. That is different from adopting it.
What the 2026 EBRI–Morgan Health employer survey measures, who answered, and why expressed interest should not become a sales forecast.
Cigna will stop offering individual and family medical plans for 2027
Cigna’s current shopping notice points to a 2027 medical-plan exit. What ICHRA employers and employees should verify before renewal.
CMS revises 2027 Marketplace instructions after a court stay
August guidance limits parts of the earlier 2027 rule announcement and confirms a federal enrollment window ending January 15.
CMS adopts the CHOICE name for ICHRA
What the September CHOICE announcement changes in public guidance, and why employers should still check the underlying ICHRA rules.
What Is an ICHRA? How It Works in 2026
A complete 2026 explanation of ICHRA contributions, individual coverage, employee classes, affordability, premium tax credits, notices, and implementation.
Venteur customers transitioned to Thatch in 2026
What Thatch's 2026 Venteur transition announcement and support documentation establish, plus diligence questions for affected employers and brokers.
Mississippi and Arizona take different ICHRA actions in 2026
Mississippi enacted an ICHRA-related employer credit while Arizona ordered a state feasibility study. Understand the difference and what employers must verify.
ICHRA vs. Group Health Insurance: A Complete Comparison
Compare ICHRA and traditional group health insurance across cost, risk, employee choice, networks, administration, affordability, and organizational fit.
ICHRA for Employers: Evaluation, Design & Launch
A practical employer framework for evaluating ICHRA, modeling contributions, testing individual markets, selecting a provider, communicating change, and controlling launch.
ICHRA for Employees: Coverage, Costs & Tax Credits
An employee guide to ICHRA offers, 2026 affordability, premium tax credits, plan comparison, enrollment, reimbursements, and problem resolution.
ICHRA for Brokers: Advisory, Provider & Renewal Framework
A broker framework for ICHRA discovery, census and market analysis, contribution design, provider diligence, employee support, implementation, and renewal.
ICHRA affordability is 9.96% for 2026 plan years
The IRS set the 2026 ICHRA affordability percentage at 9.96%. See employee tax-credit implications and the employer actions required.
ICHRA affordability in 2027: the 10.22% rule
Understand the 2027 ICHRA affordability percentage, compare it with 2026, follow a worked example, and prepare the right questions for a benefits adviser.
ICHRA Pros and Cons: A Balanced 2026 Analysis
Evaluate ICHRA advantages, disadvantages, failure modes, employee impacts, market fit, and implementation risks before replacing or starting health benefits.
ICHRA Market Report 2026: Growth, Evidence & Unknowns
A source-labeled 2026 ICHRA market analysis covering Marketplace scale, industry growth data, provider research, limitations, and unresolved questions.
ICHRA Implementation Checklist & Launch Timeline
A complete ICHRA implementation checklist covering feasibility, plan design, provider selection, notice, enrollment, payroll, payments, and post-launch controls.
ICHRA Employee Classes: Rules, Minimum Sizes & Design
Understand permitted ICHRA employee classes, same-terms rules, group-plan combinations, minimum class sizes, new hires, and plan-design mistakes.
ICHRA Contribution Benchmarks & Modeling Guide for 2026–2027
How to use ICHRA contribution benchmarks responsibly and build an employee-level contribution and affordability model for the applicable 2026 or 2027 plan year.
ICHRA Affordability in 2026: The 9.96% Rule
Understand the 2026 ICHRA affordability formula, lowest-cost Silver premium, safe harbors, premium tax credits, employer mandate, and contribution design.
How to Choose an ICHRA Provider: 10-Category Framework
A rigorous framework for comparing ICHRA providers across plan design, enrollment, payments, integrations, compliance, support, pricing, security, and proof.
2026 Marketplace enrollment reaches 23.1 million
CMS reported 23.1 million 2026 Marketplace plan selections or automatic re-enrollments. Here is what that means—and does not mean—for ICHRA.
Articles link to their original pages, where source notes and review dates remain attached. Research includes analysis of external evidence and our original public-source pricing audit; it does not imply completed employer interviews.