# Find answers to your ICHRA questions Canonical reader page: https://ichrareport.com/articles/ Publisher: ICHRA Report Originally published: 2026-09-12 Substantively updated: 2026-09-22 Sources checked: Not recorded Data period: Not recorded [Home](https://ichrareport.com/) Articles The ICHRA Report article library Guides, analysis and reporting for better ICHRA decisions, with HRA foundations that explain the wider category. Find articles for your next question. 53 articles · 7 topics ## Browse the library All articles are listed below. Enable JavaScript to use the filters. News Sep 24, 2026 ### [Connecticut's ICHRA tax credit is available, but the eligibility documents disagree](https://ichrareport.com/news/connecticut-ichra-tax-credit-businessplus/) Connecticut offers an ICHRA tax credit through Access Health CT, but official eligibility summaries conflict. See the law, application and limits. Market & policy Costs & contributions News Sep 24, 2026 ### [CMS paused certain new Marketplace broker registrations for 2027. What does ICHRA depend on?](https://ichrareport.com/news/cms-2027-marketplace-broker-registration-moratorium/) CMS paused certain new federal Marketplace broker registrations for 2027. See who is affected and what ICHRA employers should verify. Market & policy Employee coverage News Sep 22, 2026 ### [Pennsylvania's 2027 rates: why bigger increases do not settle ICHRA versus group coverage](https://ichrareport.com/news/pennsylvania-2027-individual-small-group-rates/) Pennsylvania approved 2027 increases of 15.97% for individual and 10.28% for small group. See why that does not settle ICHRA costs. Market & policy Costs & contributions News Sep 22, 2026 ### [Maryland's preliminary 2027 plan lineup: an unchanged count can hide changing choices](https://ichrareport.com/news/maryland-2027-individual-market-plan-landscape/) Maryland's preliminary 2027 individual market has 43 plans, with changes inside the total. See what ICHRA employees still need to verify. Market & policy Employee coverage Research Sep 19, 2026 ### [Does an affordable ICHRA mean affordable health care?](https://ichrareport.com/research/ichra-affordability-beyond-premiums/) An ICHRA premium test does not measure every employee cost. Compare deductibles, out-of-pocket limits and networks, with a worked example. Costs & contributions Employee coverage Guide Sep 19, 2026 ### [CHOICE Arrangements: ICHRA Explained](https://ichrareport.com/guides/choice-arrangements/) Is CHOICE the same as ICHRA? Understand the new federal name, the existing HRA framework and the next steps for employers, brokers and employees. ICHRA basics & rules HRA foundations News Sep 17, 2026 ### [Georgia Access for Business: what employers can do with ICHRA and SHOP](https://ichrareport.com/news/georgia-access-for-business-ichra/) Explore Georgia’s ICHRA and SHOP employer program, its QSEHRA limitation, implementation partners and questions to ask before switching benefits. Market & policy Implementation & renewal HRA foundations Research Sep 17, 2026 ### [Alliance Entertainment’s ICHRA transition: what its SEC filing establishes](https://ichrareport.com/research/alliance-entertainment-ichra-sec-filing/) Read what Alliance Entertainment’s SEC filing establishes about its ICHRA transition, the source limitations and the outcomes still unknown. Market & policy Costs & contributions Implementation & renewal News Sep 14, 2026 ### [Washington approves a 22.2% average 2027 individual-market increase](https://ichrareport.com/news/washington-2027-individual-market-rates-ichra/) Washington approved a 22.2% average 2027 individual-market increase. Learn why that signal does not replace local ICHRA affordability inputs. Market & policy Costs & contributions News Sep 14, 2026 ### [Connecticut approved different 2027 increases for individual and small-group coverage](https://ichrareport.com/news/connecticut-2027-individual-small-group-rates/) Connecticut approved 11.3% individual and 15.1% small-group increases for 2027. See what the paired decision means for ICHRA comparisons. Market & policy Costs & contributions Guide Sep 13, 2026 ### [Types of HRA: ICHRA, QSEHRA & More](https://ichrareport.com/hra/types-of-hra/) Compare ICHRA, QSEHRA, group-integrated and excepted benefit HRAs. See which coverage and employer conditions matter for each type. HRA foundations Employee coverage Guide Sep 13, 2026 ### [ICHRA vs. QSEHRA: Rules & 2026 Limits](https://ichrareport.com/hra/ichra-vs-qsehra/) Compare ICHRA and QSEHRA eligibility, 2026 contribution limits, employee coverage, group-plan restrictions and Marketplace tax-credit rules. HRA foundations Costs & contributions Guide Sep 13, 2026 ### [HRA vs. HSA vs. FSA: Key Differences](https://ichrareport.com/hra/hra-vs-hsa-vs-fsa/) Compare HRA, HSA and health FSA funding, ownership, premiums, unused balances and HSA compatibility, including the 2026 coverage changes. HRA foundations Employee coverage Guide Sep 13, 2026 ### [HRA Eligible Expenses & Reimbursement](https://ichrareport.com/hra/eligible-expenses/) Learn which health expenses an HRA may reimburse, how premiums depend on the HRA type, and what proof and plan terms to check. HRA foundations Costs & contributions News Sep 12, 2026 ### [Zorro announces Ori, with a broader rollout planned for October](https://ichrareport.com/news/zorro-ori-ai-benefits-navigator-2026/) Zorro announced Ori, an AI benefits navigator, with broader rollout planned for October 2026. Review availability and support questions. Providers & technology Guide Sep 12, 2026 ### [Your Health Plan Renewal Increased. How Should You Evaluate ICHRA?](https://ichrareport.com/guides/ichra-renewal-evaluation/) Facing a group health renewal increase? Compare ICHRA and group options using the same workforce, time period and employee costs. Implementation & renewal Costs & contributions Guide Sep 12, 2026 ### [When Keeping Group Health Insurance May Be the Better Decision](https://ichrareport.com/guides/when-group-health-may-be-better/) Compare reasons to keep group health insurance when evaluating ICHRA, including employee coverage, costs and the work involved in switching. ICHRA basics & rules Research Sep 12, 2026 ### [What the 2026 HRA contribution figures mean for an employer budget](https://ichrareport.com/research/hra-contribution-data-2026/) Interpret the HRA Council's 2026 contribution and premium figures, their populations and the limits of using medians for an employer budget. Costs & contributions Guide Sep 12, 2026 ### [What Is ICHRA? CHOICE Arrangements Explained](https://ichrareport.com/guides/what-is-ichra/) Learn what an ICHRA is and how employer reimbursements, individual health insurance and employee responsibilities fit together. ICHRA basics & rules Guide Sep 12, 2026 ### [What Happens Between Choosing a Plan and Actually Having Coverage?](https://ichrareport.com/guides/ichra-coverage-activation/) After selecting an ICHRA health plan, confirm enrollment, the required first payment and the coverage start date before relying on coverage. Employee coverage Guide Sep 12, 2026 ### [What Does ICHRA Actually Cost?](https://ichrareport.com/guides/ichra-total-cost/) Understand ICHRA costs: employer reimbursements, administrator fees, operating work and the premiums and care costs employees may still pay. Costs & contributions News Sep 12, 2026 ### [Venteur customers transitioned to Thatch in 2026](https://ichrareport.com/news/venteur-transition-to-thatch/) Review Venteur's customer transition to Thatch and the contract, employee support and payment questions affected employers should confirm. Providers & technology Guide Sep 12, 2026 ### [The Same ICHRA Allowance, Three Different Employee Experiences](https://ichrareport.com/guides/same-allowance-different-experiences/) Fictional ICHRA examples show how the same employer allowance can leave different premiums to pay. Compare allowances and reimbursements. Costs & contributions Employee coverage Guide Sep 12, 2026 ### [The First ICHRA Renewal: What Employers Should Measure](https://ichrareport.com/guides/first-ichra-renewal/) Prepare for your first ICHRA renewal by reviewing actual spending, participation, active coverage and employee feedback. Implementation & renewal Research Sep 12, 2026 ### [The 2027 ICHRA planning outlook: what is known and what still needs a local answer](https://ichrareport.com/research/ichra-2027-planning-outlook/) Plan for ICHRA in 2027 by separating published national guidance from local insurance availability, employee costs and enrollment details. Market & policy Implementation & renewal Research Sep 12, 2026 ### [State ICHRA policy in 2026: incentives, amendments and proposals](https://ichrareport.com/research/ichra-state-policy-review-2026/) Compare selected state ICHRA tax credits and proposals in Connecticut, Mississippi, Indiana, Florida and Texas with primary-source limits. Market & policy News Sep 12, 2026 ### [Mississippi and Arizona ICHRA actions](https://ichrareport.com/news/state-ichra-actions-2026/) Compare Mississippi's ICHRA employer-credit action with Arizona's feasibility study, including their different effects and next steps. Market & policy News Sep 12, 2026 ### [Justworks adds ICHRA through a Thatch partnership](https://ichrareport.com/news/justworks-thatch-ichra-partnership-2026/) Justworks announced an ICHRA offering through Thatch. Review the announcement and questions about pricing, enrollment, payments and support. Providers & technology Guide Sep 12, 2026 ### [ICHRA vs. group health insurance](https://ichrareport.com/guides/ichra-vs-group-health-insurance/) Compare ICHRA and group health insurance across employer costs, employee plan choice, local coverage and benefit administration. ICHRA basics & rules Costs & contributions Research Sep 12, 2026 ### [ICHRA provider pricing: a six-brand public-source audit](https://ichrareport.com/research/provider-pricing-transparency-2026/) Compare published ICHRA administrator fees across six brands, with source links, minimums, billing terms and gaps. Reviewed September 12, 2026. Providers & technology Costs & contributions Research Sep 12, 2026 ### [ICHRA policy watch: distinguish agency action from legislation](https://ichrareport.com/research/ichra-federal-policy-watch-2026/) Track ICHRA federal policy in 2026, including CHOICE terminology, pending legislation and the new Marketplace broker-registration rule. Market & policy Research Sep 12, 2026 ### [ICHRA in 2026: HSA eligibility and tax-credit changes employees need to understand](https://ichrareport.com/research/ichra-hsa-tax-credit-changes-2026/) Understand 2026 HSA and premium tax credit changes affecting ICHRA decisions, with separate eligibility rules and questions for advisers. Costs & contributions Employee coverage Guide Sep 12, 2026 ### [ICHRA for Employers: Evaluation, Design & Launch](https://ichrareport.com/guides/ichra-for-employers/) Evaluate ICHRA for your workforce: compare employer costs and employee coverage, then organize benefit design, enrollment and launch. ICHRA basics & rules Guide Sep 12, 2026 ### [ICHRA for Employees: Benefits, Downsides & Costs](https://ichrareport.com/guides/ichra-for-employees/) Offered ICHRA at work? Compare employee benefits, downsides, remaining costs, doctor access and tax-credit effects before choosing coverage. ICHRA basics & rules Employee coverage Guide Sep 12, 2026 ### [ICHRA employee classes and size rules](https://ichrareport.com/guides/employee-classes/) Understand permitted ICHRA employee classes, minimum class sizes and restrictions before offering different benefits to different groups. ICHRA basics & rules Guide Sep 12, 2026 ### [ICHRA broker guide: evaluation to renewal](https://ichrareport.com/guides/ichra-for-brokers/) Help clients evaluate ICHRA with a broker guide to workforce data, local plans, contributions, administrator selection and renewal review. ICHRA basics & rules News Sep 12, 2026 ### [ICHRA affordability is 9.96% for 2026 plan years](https://ichrareport.com/news/2026-affordability-threshold/) The IRS set the 2026 affordability percentage at 9.96%. Learn how it fits into ICHRA planning and employee premium tax credit calculations. Costs & contributions Guide Sep 12, 2026 ### [ICHRA affordability in 2027: the 10.22% rule](https://ichrareport.com/guides/ichra-affordability-2027/) Understand the 2027 ICHRA affordability calculation, employee premium tax credits and employer planning, with a worked example. Costs & contributions Guide Sep 12, 2026 ### [ICHRA Pros and Cons: A Balanced 2026 Analysis](https://ichrareport.com/guides/ichra-pros-and-cons/) Compare ICHRA's potential benefits and tradeoffs for employers and employees, including contributions, local plan choice and administration. ICHRA basics & rules Research Sep 12, 2026 ### [ICHRA Market Report 2026: Growth, Evidence & Unknowns](https://ichrareport.com/research/ichra-market-2026/) Examine published 2026 ICHRA and insurance-market data, what each figure measures and the gaps employers and brokers still need to investigate. Market & policy Guide Sep 12, 2026 ### [ICHRA Implementation Checklist & Launch Timeline](https://ichrareport.com/guides/implementation-checklist/) Plan an ICHRA launch with a checklist for employee impact, benefit design, notices, enrollment, payments and active coverage. Implementation & renewal Research Sep 12, 2026 ### [ICHRA Contribution Benchmarks & Modeling Guide for 2026–2027](https://ichrareport.com/research/ichra-contribution-benchmarks/) Learn how to use published ICHRA contribution figures and build workforce scenarios, with the limits of benchmarks for employer planning. Costs & contributions Guide Sep 12, 2026 ### [ICHRA Affordability in 2026: The 9.96% Rule](https://ichrareport.com/guides/ichra-affordability-2026/) Understand the 2026 ICHRA affordability calculation, employee premium tax credits and the separate employer rules, with a worked example. Costs & contributions Guide Sep 12, 2026 ### [How to choose an ICHRA provider](https://ichrareport.com/guides/how-to-choose-an-ichra-provider/) Evaluate ICHRA administrators with questions about enrollment, reimbursements, employee help, pricing and launch responsibilities. Providers & technology Guide Sep 12, 2026 ### [How to Compare Three ICHRA Provider Quotes Fairly](https://ichrareport.com/guides/compare-ichra-provider-quotes/) Compare written ICHRA administrator proposals using the same workforce, billing basis, minimum fees, setup costs and service scope. Providers & technology Research Sep 12, 2026 ### [How many people use ICHRA? What the 2026 evidence can tell us](https://ichrareport.com/research/ichra-adoption-measurement-2026/) How many people use ICHRA? Compare Census coverage, MEPS employer questions and industry estimates without confusing their populations. Market & policy News Sep 12, 2026 ### [HRA Council releases its 2026 adoption report](https://ichrareport.com/news/hra-council-2026-report-release/) Read the HRA Council's 2026 report findings and how changes in participating data contributors affect comparisons of ICHRA growth. Market & policy Research Sep 12, 2026 ### [Employers are evaluating ICHRA. That is different from adopting it.](https://ichrareport.com/research/employer-ichra-survey-2026/) Understand the EBRI–Morgan Health 2026 employer survey: who responded, what was asked and why interest in ICHRA is different from adoption. Market & policy News Sep 12, 2026 ### [Cigna will stop offering individual and family medical plans for 2027](https://ichrareport.com/news/cigna-individual-family-plans-2027/) Cigna's notice announces a 2027 exit from individual and family medical plans. Review coverage and enrollment checks for ICHRA renewals. Employee coverage Market & policy Guide Sep 12, 2026 ### [Can I Keep My Doctor With ICHRA?](https://ichrareport.com/guides/keep-doctor-with-ichra/) Learn how to check your exact individual plan's doctor network, hospitals and prescriptions before enrolling with an ICHRA. Employee coverage News Sep 12, 2026 ### [CMS revises 2027 Marketplace instructions after a court stay](https://ichrareport.com/news/cms-2027-rule-court-stay/) Read how a court stay affects CMS's 2027 Marketplace instructions and which enrollment rules employers and employees should verify. Market & policy News Sep 12, 2026 ### [CMS adopts the CHOICE name for ICHRA](https://ichrareport.com/news/ichra-choice-arrangements-cms-2026/) Understand the CHOICE name for ICHRA and the September Georgia implementation update, with program support kept separate from federal rule changes. Market & policy ICHRA basics & rules News Sep 12, 2026 ### [2026 Marketplace enrollment reaches 23.1 million](https://ichrareport.com/news/2026-marketplace-enrollment/) CMS reported 23.1 million 2026 Marketplace selections or automatic re-enrollments. Learn what that broader market figure means for ICHRA. Market & policy 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.