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Dated prices; confirm an official quote and coverage.", "representation": "html", "reader_url": "https://ichrareport.com/tools/market-explorer/", "publication_state": "published", "published_at": "2026-09-12", "substantively_updated_at": "2026-09-12", "sources_checked_at": null, "data_period": null, "source_ids": [], "source_scope": "Sources explicitly linked from this reader page. A source link does not independently verify every claim; retain the page wording, qualifications and original source scope.", "reader_main_sha256": "0a812197d938d15bdb6c59845f47069718fdcc99f2af073676184eaf43c98d31", "markdown_url": "https://ichrareport.com/tools/market-explorer/index.md", "markdown_sha256": "ce1e1aefc75799dcc6d758056bf6db9967733d991ecee48b6b939d5322e933dd", "markdown_scope": "public_explanation" } ], "sources": [ { "id": "CIGNA-2027", "title": "Individual and family medical plan shopping notice", "url": "https://shopifp.cigna.com/", "publisher": "Cigna Healthcare", "type": "insurer-announcement", "note": "Undated notice checked September 11: individual/family medical plans will not be offered for 2027; dental continues. Does not describe Cigna group coverage.", "reviewed_at": "2026-09-11" }, { "id": "CMS-2026", "title": "2026 Marketplace Open Enrollment Report", "url": "https://www.cms.gov/newsroom/press-releases/exchange-coverage-remains-near-record-high-23-1-million-enroll-2026-reflecting-continued-strength", "publisher": "Centers for Medicare & Medicaid Services", "type": "government-primary", "note": "Reports 23.1 million Marketplace plan selections or automatic re-enrollments during the 2026 open enrollment period.", "reviewed_at": "2026-08-16" }, { "id": "CMS-2027-RULE", "title": "2027 Payment Notice final-rule announcement", "url": "https://www.cms.gov/newsroom/press-releases/cms-final-rule-lowers-costs-cracks-down-fraud-expands-state-control", "publisher": "CMS", "type": "government-primary", "note": "Historical rule announcement; read alongside the subsequent August 4 court-status statement. Do not assume every announced provision is in effect.", "reviewed_at": "2026-09-11" }, { "id": "CMS-CHOICE", "title": "Employer initiatives: CHOICE Arrangements", "url": "https://www.cms.gov/marketplace/employer-initiatives", "publisher": "CMS", "type": "government-primary", "note": "Page modified September 10, 2026; identifies CHOICE as the current agency name for ICHRA. Administrative resources do not establish new legislation.", "reviewed_at": "2026-09-11" }, { "id": "CMS-EFFECTUATED", "title": "Marketplace effectuated enrollment data series", "url": "https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/health-insurance-marketplace/", "publisher": "CMS", "type": "government-primary", "note": "Data catalog distinguishes annual and monthly effectuated enrollment. No current numeric count extracted; 2026 plan selections must not be relabeled paid coverage.", "reviewed_at": "2026-09-11" }, { "id": "CMS-GUIDANCE", "title": "Marketplace regulations and guidance", "url": "https://www.cms.gov/marketplace/resources/regulations-guidance", "publisher": "CMS", "type": "government-primary", "note": "Primary update index used to check whether rule announcements have later implementation guidance.", "reviewed_at": "2026-09-11" }, { "id": "CMS-PREMIUM-DATA", "title": "ICHRA premium lookup data dictionary", "url": "https://www.cms.gov/files/document/ichra-employer-lowest-cost-silver-plan-premium-look-up-table-data-dictionary.pdf", "publisher": "CMS", "type": "government-primary", "note": "Reviewed dictionary describes 2026 lowest-cost Silver data and geographic/platform scope. It is not a verified 2027 premium table.", "reviewed_at": "2026-09-11" }, { "id": "CMS-STAY-2026", "title": "Updated statement regarding City of Columbus v. Kennedy", "url": "https://www.cms.gov/files/document/statement-re-city-columbus-080426.pdf", "publisher": "CMS", "type": "government-primary", "note": "Two-page August 4 statement describes the July 16 stay of specified 2027 rule provisions and the November 1–January 15 federal enrollment period. Litigation remains subject to change.", "reviewed_at": "2026-09-11" }, { "id": "CMS-TPA", "title": "CHOICE Arrangement third-party administrator information", "url": "https://www.cms.gov/files/document/choice-arrangement-third-party-administrator-information.pdf", "publisher": "CMS", "type": "government-primary", "note": "Public administrator information sheet linked from CMS employer resources; a discovery resource, not our assessment of provider quality.", "reviewed_at": "2026-09-11" }, { "id": "CONGRESS-CALENDAR", "title": "House calendar, September 8, 2026", "url": "https://www.govinfo.gov/content/pkg/CCAL-119hcal-2026-09-08/pdf/CCAL-119hcal-2026-09-08.pdf", "publisher": "U.S. House of Representatives via GovInfo", "type": "government-primary", "note": "H.R. 5498 entry: reported amended June 29, supplemental report July 2, Union Calendar 622. Reviewed calendar status is not enacted law.", "reviewed_at": "2026-09-11" }, { "id": "EBRI-2026", "title": "2026 EBRI–Morgan Health Employer ICHRA Survey", "url": "https://www.ebri.org/docs/default-source/ichra-survey/2026ebrimh_ichrasurvey.pdf", "publisher": "Employee Benefit Research Institute", "type": "sponsored-survey", "note": "28-page chartbook; 984 decision-makers, online fieldwork March 19–May 5, 2026. Three sample segments; respondents receive an ICHRA description before interest questions. Intent is not implementation.", "reviewed_at": "2026-09-11" }, { "id": "EBRI-HUB", "title": "ICHRA survey program and sponsors", "url": "https://www.ebri.org/health/ichra-survey", "publisher": "Employee Benefit Research Institute", "type": "research-methodology", "note": "Research scope and commercial sponsor disclosures; sponsor participation includes questionnaire input.", "reviewed_at": "2026-09-11" }, { "id": "FL-HB141", "title": "2026 HB 141 bill history", "url": "https://flsenate.gov/Session/Bill/2026/141/ByVersion", "publisher": "Florida Senate", "type": "government-primary", "note": "History records HB 141 died in Insurance & Banking on March 13, 2026. A proposed effective date is not proof of enactment.", "reviewed_at": "2026-09-11" }, { "id": "GOV-EMPLOYEE", "title": "Individual coverage HRA offer and Marketplace coverage", "url": "https://www.healthcare.gov/job-based-help/ichra/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Federal guidance for employees evaluating affordability, premium tax credits, and enrollment choices.", "reviewed_at": "2026-08-16" }, { "id": "GOV-ICHRA", "title": "Individual Coverage Health Reimbursement Arrangements", "url": "https://www.healthcare.gov/small-businesses/learn-more/individual-coverage-hra/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Federal overview of ICHRA contributions, employee classes, class-size minimums, affordability, and implementation timing.", "reviewed_at": "2026-09-11" }, { "id": "HG-COSTS", "title": "Compare total yearly health-care costs", "url": "https://www.healthcare.gov/choose-a-plan/your-total-costs/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Premiums and costs when receiving care; educational guidance, not a quote.", "reviewed_at": "2026-09-12" }, { "id": "HG-DRUGS", "title": "Prescription medications and Marketplace coverage", "url": "https://www.healthcare.gov/using-marketplace-coverage/prescription-medications/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Formulary and insurer checks; no individual drug determination.", "reviewed_at": "2026-09-12" }, { "id": "HG-ENROLL", "title": "Complete your enrollment and pay your first premium", "url": "https://www.healthcare.gov/apply-and-enroll/complete-your-enrollment/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Initial premium payment and confirmation of coverage with the insurer.", "reviewed_at": "2026-09-12" }, { "id": "HG-NETWORK", "title": "Getting medical care with Marketplace coverage", "url": "https://www.healthcare.gov/using-marketplace-coverage/getting-medical-care/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Directory and insurer checks for access to care.", "reviewed_at": "2026-09-12" }, { "id": "HG-NETWORK-TYPES", "title": "Health insurance plan and network types", "url": "https://www.healthcare.gov/choose-a-plan/plan-types/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Distinguishes HMO, EPO, POS and PPO network benefits. Exact coverage, exceptions and patient cost require the selected policy.", "reviewed_at": "2026-09-13" }, { "id": "HG-RENEW", "title": "Keep or change your insurance plan", "url": "https://www.healthcare.gov/keep-or-change-plan/", "publisher": "HealthCare.gov", "type": "government-primary", "note": "Renewal review and updating Marketplace information.", "reviewed_at": "2026-09-12" }, { "id": "HR6708-INTRO", "title": "H.R. 6708, ICHRA Permanency Act, introduced text", "url": "https://www.govinfo.gov/app/details/BILLS-119hr6708ih", "publisher": "U.S. Congress via GovInfo", "type": "government-primary", "note": "Introduced House version; useful to identify the proposal, not sufficient to assert its complete current procedural history.", "reviewed_at": "2026-09-11" }, { "id": "HRAC-2025", "title": "Growth Trends for ICHRA & QSEHRA 2024–2025", "url": "https://hracouncil.org/report/", "publisher": "HRA Council", "type": "industry-aggregated", "note": "Aggregated industry report from 15 member organizations; reports 34% ALE ICHRA growth, 52% non-ALE growth, and 83% first-time benefit offerers in the contributed dataset.", "reviewed_at": "2026-08-16" }, { "id": "HRAC-2026", "title": "2026 Growth Trends report hub and methodology", "url": "https://www.hracouncil.org/report", "publisher": "HRA Council", "type": "industry-aggregated", "note": "Reporting hub lists 17 contributing organizations. The full report has now been reviewed; see the separate Volume Five source for figures and methodology.", "reviewed_at": "2026-09-11" }, { "id": "HRAC-2026-RELEASE", "title": "2026 Growth Trends report announcement", "url": "https://www.prnewswire.com/news-releases/strong-ichra-growth-among-large-employers-strengthens-aca-marketplace-and-risk-pool-hra-council-report-finds-302849192.html", "publisher": "HRA Council via PR Newswire", "type": "industry-announcement", "note": "Association-issued release establishes announcement date and positioning. The underlying PDF controls numerical interpretation.", "reviewed_at": "2026-09-11" }, { "id": "HRAC-2026-REPORT", "title": "Growth Trends for ICHRA & QSEHRA, Volume Five", "url": "https://www.hracouncil.org/resources/Documents/2026%20HRA%20Council%20Data%20Report%20-%20PDF%20Version.pdf", "publisher": "HRA Council", "type": "industry-aggregated", "note": "Full 14-page report reviewed, including tables on pages 6, 8–10 and methodology on page 13. January 31 observation date; contributed records, estimated covered lives, and matched-cohort growth have different denominators.", "reviewed_at": "2026-09-11" }, { "id": "HRAC-AZ", "title": "Arizona ICHRA bill highlights state progress", "url": "https://hracouncil.org/news/13641596", "publisher": "HRA Council", "type": "industry-secondary", "note": "Industry association summary of Arizona HB 2693, signed June 4, 2026, directing an ICHRA feasibility study for state employees.", "reviewed_at": "2026-08-16" }, { "id": "HRAC-MS", "title": "Mississippi Governor Signs ICHRA Tax Credit Bill", "url": "https://www.hracouncil.org/page-18068/13624251", "publisher": "HRA Council", "type": "industry-secondary", "note": "Industry association notice linking to Mississippi's enacted 2026 ICHRA tax-credit legislation.", "reviewed_at": "2026-08-16" }, { "id": "HS-MIDYEAR-2026", "title": "2026 ICHRA mid-year update", "url": "https://www.linkedin.com/posts/healthsherpa-for-ichra_2026-ichra-mid-year-update-activity-7485725377185710080-ZspX", "publisher": "HealthSherpa for ICHRA", "type": "provider-research", "note": "Company-channel post reports 58% year-to-date enrollment-flow growth and an estimated national market above one million members. Exact publication date was not displayed; estimate is not a census.", "reviewed_at": "2026-09-11" }, { "id": "IN-DOR-2026", "title": "2026 legislative synopsis: HEA 1210", "url": "https://www.in.gov/dor/files/legislative-synopsis-2026.pdf", "publisher": "Indiana Department of Revenue", "type": "government-primary", "note": "Pages 23–24 summarize ICHRA credit amendments, retroactive January 1, 2026; capped contributions and calendar-year program limit. Taxpayer eligibility and claims need current DOR instructions.", "reviewed_at": "2026-09-11" }, { "id": "IRS-2026", "title": "Revenue Procedure 2025-25", "url": "https://www.irs.gov/irb/2025-32_IRB", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "Sets the required contribution percentage at 9.96% for plan years beginning in 2026.", "reviewed_at": "2026-08-16" }, { "id": "IRS-2027", "title": "Revenue Procedure 2026-26", "url": "https://www.irs.gov/irb/2026-31_irb", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "Section 3.02 sets the required contribution percentage at 10.22% for plan years beginning in 2027. Section 5 establishes the effective period.", "reviewed_at": "2026-09-11" }, { "id": "IRS-HSA-2026", "title": "Notice 2026-5: HSA eligibility guidance", "url": "https://www.irs.gov/irb/2026-02_IRB", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "Notice 2026-5, Q&A 4–8: qualifying individual bronze/catastrophic plans, ICHRA interaction, and off-Exchange coverage. Plan eligibility does not establish an individual's eligibility to contribute.", "reviewed_at": "2026-09-11" }, { "id": "IRS-ICHRA-FAMILY", "title": "Internal Revenue Bulletin 2022-45: ICHRA offers and family tax-credit eligibility", "url": "https://www.irs.gov/irb/2022-45_IRB", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "The discussion of related HRA individuals explains the distinction between employee-only offers and offers covering family medical expenses; it states that the ICHRA affordability rules were not changed by these final regulations.", "reviewed_at": "2026-09-13" }, { "id": "IRS-PTC", "title": "Questions and answers on the Premium Tax Credit", "url": "https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "Current premium-tax-credit affordability percentages and interaction with employer-sponsored coverage.", "reviewed_at": "2026-09-11" }, { "id": "IRS-RULE", "title": "Internal Revenue Bulletin 2019-28 — HRA integration final rules", "url": "https://www.irs.gov/irb/2019-28_IRB", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "Primary regulatory text for ICHRA notice timing, individual-coverage substantiation, classes, and opt-out rules.", "reviewed_at": "2026-08-16" }, { "id": "IRS-SAFE", "title": "ICHRA affordability safe harbors", "url": "https://www.irs.gov/irb/2019-42_IRB", "publisher": "Internal Revenue Service", "type": "government-primary", "note": "Employer-mandate safe-harbor framework for applying ICHRA affordability rules.", "reviewed_at": "2026-08-16" }, { "id": "JUSTWORKS-THATCH", "title": "Justworks partners with Thatch on ICHRA", "url": "https://www.justworks.com/press/press-release/justworks-partners-with-thatch-on-health-insurance-reimbursement-offering-ICHRA", "publisher": "Justworks", "type": "provider-announcement", "note": "Product partnership launch, not an acquisition. Features and operational scope are company descriptions, not independently tested service results.", "reviewed_at": "2026-09-11" }, { "id": "MORGAN-2026", "title": "New EBRI–Morgan Health survey on ICHRAs", "url": "https://www.morganhealth.com/insights/new-ebri-morgan-health-survey-on-ichras", "publisher": "Morgan Health", "type": "research-sponsor-summary", "note": "Sponsor's interpretation of employer research. Headline percentages may use different groups; the chartbook and question denominator take precedence.", "reviewed_at": "2026-09-11" }, { "id": "MS-DOR-2026", "title": "2026 legislation: HB 343", "url": "https://www.dor.ms.gov/forms-resources/laws-regulations/2026-legislation", "publisher": "Mississippi Department of Revenue", "type": "government-primary", "note": "Confirms HB 343 creates an ICHRA-related small-employer income tax credit. No application availability or credit reservation is inferred.", "reviewed_at": "2026-09-11" }, { "id": "MS-LEG-2026", "title": "2026 legislative summary: HB 343", "url": "https://www.legislature.ms.gov/media/1368/26-summary.pdf", "publisher": "Mississippi Legislature", "type": "government-primary", "note": "Page 153 records signature April 6, 2026 and effective date January 1, 2026; defines qualifying employers. Reviewed excerpt; detailed claim mechanics are not reproduced.", "reviewed_at": "2026-09-11" }, { "id": "PK-ICHRA", "title": "PeopleKeep ICHRA administration", "url": "https://www.peoplekeep.com/individual-coverage-hra-ichra", "publisher": "PeopleKeep", "type": "provider-primary", "note": "Provider-published product overview for digital HRA administration, shopping, documentation, and expense tracking.", "reviewed_at": "2026-09-11" }, { "id": "PK-PRICE", "title": "PeopleKeep pricing", "url": "https://www.peoplekeep.com/pricing", "publisher": "PeopleKeep", "type": "provider-primary", "note": "Provider-published ICHRA pricing starting at $25 per employee per month plus a $50 base fee, with no charge for employees who opt out. The page also specifies a three-seat minimum and seat fees for account administrators; confirm the total quote.", "reviewed_at": "2026-09-11" }, { "id": "PK-REPORT", "title": "PeopleKeep ICHRA contribution reporting", "url": "https://www.peoplekeep.com/blog/ichra-report", "publisher": "PeopleKeep", "type": "provider-research", "note": "Provider-customer dataset and contribution analysis. Useful as a directional benchmark, not a census of the full ICHRA market.", "reviewed_at": "2026-08-16" }, { "id": "PRICE-PK", "title": "ICHRA pricing and billing FAQ", "url": "https://www.peoplekeep.com/pricing", "publisher": "PeopleKeep", "type": "provider-primary", "note": "Current displayed starting rate, monthly base, three-seat minimum and account-administrator billing. Provider statements, not an independently verified contract.", "reviewed_at": "2026-09-12" }, { "id": "PRICE-RH", "title": "Frequently asked questions", "url": "https://remodelhealth.com/faqs", "publisher": "Remodel Health", "type": "provider-primary", "note": "Subscription fee described without a numeric schedule. PeopleKeep is identified as a related small-business platform; its price is not treated as Remodel Health ICHRA+ pricing.", "reviewed_at": "2026-09-12" }, { "id": "PRICE-SAV", "title": "Public product homepage", "url": "https://savii.ai/", "publisher": "Savii", "type": "provider-primary", "note": "No numeric administration schedule located on the reviewed homepage. Premium and contribution interface examples are not administration fees.", "reviewed_at": "2026-09-12" }, { "id": "PRICE-SC", "title": "Frequently asked questions", "url": "https://www.sureco.com/frequently-asked-questions", "publisher": "SureCo", "type": "provider-primary", "note": "Administration cost drivers described; numeric employer administration schedule not located on this page.", "reviewed_at": "2026-09-12" }, { "id": "PRICE-TC-2023", "title": "ICHRA administration tool: dated educational pricing", "url": "https://www.takecommandhealth.com/blog/ichra-administration-tool", "publisher": "Take Command", "type": "provider-primary", "note": "March 7, 2023 article contains historical starting-price guidance. Not confirmed as a current September 2026 schedule; previously indexed /pricing returned HTTP 404 during review.", "reviewed_at": "2026-09-12" }, { "id": "PRICE-TH", "title": "Standard and Enterprise pricing", "url": "https://thatch.com/pricing", "publisher": "Thatch", "type": "provider-primary", "note": "Standard: 1–49 eligible employees, $45 per enrolled employee monthly, compliance fee starting at $25/month; unspecified minimum fee. Enterprise is custom.", "reviewed_at": "2026-09-12" }, { "id": "RH-BROKER", "title": "Remodel Health for brokers and agents", "url": "https://remodelhealth.com/brokers-and-agents", "publisher": "Remodel Health", "type": "provider-primary", "note": "Provider-published scale, service, broker-support, and PeopleKeep relationship claims.", "reviewed_at": "2026-08-16" }, { "id": "RH-ENTERPRISE", "title": "ICHRA for enterprise businesses", "url": "https://remodelhealth.com/enterprise-businesses", "publisher": "Remodel Health", "type": "provider-primary", "note": "Provider-published enterprise capabilities, payment operations, integration breadth, and customer-support claims.", "reviewed_at": "2026-08-16" }, { "id": "RH-PLUS", "title": "ICHRA+", "url": "https://remodelhealth.com/ichra-plus", "publisher": "Remodel Health", "type": "provider-primary", "note": "Provider-published description of automated premium payments, employer tools, and compatibility with more than 200 HRIS and payroll systems.", "reviewed_at": "2026-09-11" }, { "id": "SAV-DEMO", "title": "Book a Savii demo", "url": "https://savii.ai/lets-talk", "publisher": "Savii", "type": "provider-primary", "note": "Provider page addressing employers, employees, and brokers.", "reviewed_at": "2026-08-16" }, { "id": "SAV-EMPLOYER", "title": "Solutions for Employers", "url": "https://savii.ai/solutions-for-employers", "publisher": "Savii", "type": "provider-primary", "note": "Provider-published documentation for contribution management, enrollment tracking, compliance workflows, reporting, and intended employer segments.", "reviewed_at": "2026-09-11" }, { "id": "SAV-HOME", "title": "Savii — Modern ICHRA benefits platform", "url": "https://savii.ai/", "publisher": "Savii", "type": "provider-primary", "note": "Provider-published overview of its platform, plan-shopping experience, administration, and support model.", "reviewed_at": "2026-08-16" }, { "id": "SAV-ICHRA", "title": "About ICHRA", "url": "https://savii.ai/about-ichra", "publisher": "Savii", "type": "provider-primary", "note": "Provider-published description of implementation, documentation, substantiation, and employer use cases.", "reviewed_at": "2026-08-16" }, { "id": "SBA-CHOICE", "title": "SBA recognizes CHOICE Arrangements", "url": "https://legacy.sba.gov/article/2026/09/03/sba-recognizes-innovative-choice-arrangements-major-win-small-businesses", "publisher": "U.S. Small Business Administration", "type": "government-primary", "note": "September 3 agency announcement. Promotional savings claims are not used as independently measured outcomes.", "reviewed_at": "2026-09-11" }, { "id": "SC-HR", "title": "SureCo for HR teams", "url": "https://www.sureco.com/human-resources", "publisher": "SureCo", "type": "provider-primary", "note": "Provider-published specialization for organizations with roughly 200 or more eligible employees, plus carrier, HRIS, and compliance capabilities.", "reviewed_at": "2026-08-16" }, { "id": "SC-PLATFORM", "title": "SureCo enrollment platform", "url": "https://www.sureco.com/enrollment-platform", "publisher": "SureCo", "type": "provider-primary", "note": "Provider-published large-group enrollment, provider lookup, plan filtering, HRIS synchronization, reporting, and support information.", "reviewed_at": "2026-08-16" }, { "id": "SC-REPORT", "title": "2026 State of ICHRA Report", "url": "https://www.sureco.com/2026-state-of-ichra-report-sureco", "publisher": "SureCo", "type": "provider-research", "note": "Vendor-sponsored research using surveys and behavioral data. Treat findings as directional and review the report methodology before relying on them.", "reviewed_at": "2026-08-16" }, { "id": "TC-CALC", "title": "ICHRA employee affordability calculator", "url": "https://www.takecommandhealth.com/ichra-employee-affordability-calculator", "publisher": "Take Command", "type": "provider-primary", "note": "Provider-operated affordability tool and employee-facing explanation.", "reviewed_at": "2026-08-16" }, { "id": "TC-HOME", "title": "Take Command HRA administration", "url": "https://www.takecommandhealth.com/", "publisher": "Take Command", "type": "provider-primary", "note": "Provider-published overview stating support for enrollment, compliance, and employees and use by more than 8,000 organizations.", "reviewed_at": "2026-09-11" }, { "id": "TC-PRICE", "title": "HRA administration pricing", "url": "https://www.takecommandhealth.com/pricing", "publisher": "Take Command", "type": "provider-primary", "note": "Historical source retained for provenance. The URL returned HTTP 404 on September 12, 2026; it is not current pricing evidence. See PRICE-TC-2023 and the pricing-transparency audit.", "reviewed_at": "2026-09-12" }, { "id": "TH-API", "title": "Thatch for Platforms", "url": "https://thatch.com/platforms", "publisher": "Thatch", "type": "provider-primary", "note": "Provider-published APIs and embeddable components for platforms integrating ICHRA workflows.", "reviewed_at": "2026-08-16" }, { "id": "TH-HOME", "title": "Thatch modern health benefits platform", "url": "https://thatch.com/", "publisher": "Thatch", "type": "provider-primary", "note": "Provider-published platform, health-wallet, support-metric, and ICHRA information.", "reviewed_at": "2026-08-16" }, { "id": "TH-ICHRA", "title": "Custom ICHRA plans and administration", "url": "https://thatch.com/ichra", "publisher": "Thatch", "type": "provider-primary", "note": "Provider-published employer design, employee-class budgeting, launch, and administration information.", "reviewed_at": "2026-08-16" }, { "id": "TH-TRANSITION", "title": "Venteur member transition FAQs", "url": "https://support.thatch.com/venteur-member-transition-faq", "publisher": "Thatch Support", "type": "provider-primary", "note": "Support documentation stating that Venteur customers were transferred during April 2026.", "reviewed_at": "2026-08-16" }, { "id": "TH-VENTEUR", "title": "Thatch welcomes Venteur customers", "url": "https://thatch.com/press/venteur", "publisher": "Thatch", "type": "provider-primary", "note": "Provider announcement that Venteur employers, employees, and brokers would transition to Thatch beginning in April 2026.", "reviewed_at": "2026-08-16" }, { "id": "TX-SB1949", "title": "89th Legislature SB 1949 history", "url": "https://capitol.texas.gov/BillLookup/History.aspx?Bill=SB1949&LegSess=89R", "publisher": "Texas Legislature", "type": "government-primary", "note": "2025 bill record shows referral to Finance, not enactment. Historical proposal, not a verified available tax benefit.", "reviewed_at": "2026-09-11" }, { "id": "ZORRO-ORI", "title": "Zorro launches Ori for ICHRA plan selection", "url": "https://www.prweb.com/releases/zorro-launches-ori-an-ai-co-pilot-for-personalized-ichra-benefits-plan-selection-302854867.html", "publisher": "Zorro via PRWeb", "type": "provider-announcement", "note": "Announces AI navigator rollout to initial cohorts; full availability targeted for October 2026. Expanded concierge service described for employers with 250+ employees. Performance not independently tested.", "reviewed_at": "2026-09-11" } ], "datasets": [ { "id": "ichra-pricing-transparency-2026-09", "kind": "publisher public-source audit", "canonical_url": "https://ichrareport.com/research/provider-pricing-transparency-2026/", "download_url": "https://ichrareport.com/data/pricing-transparency.json", "title": "ICHRA Provider Pricing Transparency Report", "publisher": "ICHRA Report", "version": "1.0", "reviewed_at": "2026-09-12", "method": "Manual review of the cited public primary pages. Six brands were selected from the publication's existing provider directory; this is not a representative market sample. Starting-rate disclosure is not a service-quality score.", "selection": "Existing six provider profiles; alphabetical presentation. PeopleKeep and Remodel Health are related brands, not independent corporate groups.", "limitations": [ "No quotes requested or contracts tested.", "No provider was contacted for this edition.", "Not located means absent from the inspected page, not necessarily absent from every public channel.", "A failed URL check is recorded separately from a page with no numeric schedule.", "Amounts are USD; monthly administrator fees exclude insurance premiums and employer reimbursements." ], "download_sha256": "8cd710a36a76fad9ef8179a16a0c3caa0b3ac0506b65df7b024b6ccd133d8f88" }, { "id": "cms-qhp-landscape-2026", "kind": "derived government snapshot", "canonical_url": "https://ichrareport.com/research/market-data-methodology/", "inventory_url": "https://ichrareport.com/data/market-2026/manifest.json", "download_url": "https://ichrareport.com/data/market-2026/cms-market-data-2026-v1.0.0.zip", "version": "1.0.0", "plan_year": 2026, "publisher": "CMS / CCIIO", "source_page": "https://data.healthcare.gov/dataset/6fe7fb77-7291-4104-952f-7c7e2c5d0c45", "source_download": "https://data.healthcare.gov/datafile/py2026/individual_market_medical.zip", "source_modified": "2026-08-26T14:00:00+00:00", "retrieved_at": "2026-09-12T12:39:57.426282+00:00", "records": 97082, "county_count": 2055, "state_count": 30, "ages": [ 21, 27, 30, 40, 50, 60 ], "currency": "USD", "premium_unit": "cents per month before assistance or employer contribution", "method": "Plan/rating-area/county records from the CMS 2026 Individual Medical Landscape workbook. Exact duplicates removed; conflicting duplicates stop the import. Monthly adult premium scenario columns are used as supplied. Distinct plan IDs and issuer names are counted within the chosen county; records from different rating areas remain separate. No enrollment weighting.", "limitations": [ "Only states in this CMS federal-platform file; not all US markets.", "2026 snapshot, not a live quote or 2027 plan inventory.", "Plan availability within a county may depend on address or service area.", "No premium tax credit, ICHRA affordability, contribution recommendation or coverage-eligibility determination.", "Network and formulary links are supplied by CMS; confirm specific doctors and prescriptions with the insurer.", "Catastrophic and child-only plans may have eligibility restrictions.", "Premiums are the published adult age scenarios; exact-age, tobacco and household quotes require the Marketplace or insurer." ], "inventory_sha256": "3152bad679b98ef872af994b3ab16a4b6f2ab3ad0d6058f1bc901cfdc7bf2288", "download_sha256": "878f807380b2c3f2a0e4ce1807dc41a2e12064f1764c0cf5ece06a931a1b7ab0" } ] }