What this research cycle covers
The September review includes a public-source pricing audit and practical decision guides, alongside federal terminology and guidance, affordability, HSA and premium-tax-credit implications, selected state actions, carrier availability, provider launches, adoption data and employer research. Sources were selected for direct relevance, identifiable provenance and the ability to check dates and definitions.
The library also retains older sources used elsewhere on the site. A September release date does not mean every older provider profile was re-reviewed in September; check each source date below.
Coverage limits and open questions
- No complete 50-state legislative or county-by-county 2027 carrier inventory.
- No verified national ICHRA census or standardized provider market shares.
- No original employer survey or independently measured cross-provider outcomes.
- Current Marketplace paid-enrollment totals were not extracted from the CMS data catalog.
- Undated company notices carry the date checked, not an invented release date.
Reusable records
These files contain our source descriptions and article metadata, not copies of the underlying copyrighted reports.
Source records (JSON) · Article records (JSON) · Selected observations (JSON) · Pricing observations (JSON)
Full source library
1
HealthCare.gov — Individual Coverage Health Reimbursement ArrangementsFederal overview of ICHRA contributions, employee classes, class-size minimums, affordability, and implementation timing.Source reviewed 2026-09-11
2
HealthCare.gov — Individual coverage HRA offer and Marketplace coverageFederal guidance for employees evaluating affordability, premium tax credits, and enrollment choices.Source reviewed 2026-08-16
3
Internal Revenue Service — Revenue Procedure 2025-25Sets the required contribution percentage at 9.96% for plan years beginning in 2026.Source reviewed 2026-08-16
4
Internal Revenue Service — Questions and answers on the Premium Tax CreditCurrent premium-tax-credit affordability percentages and interaction with employer-sponsored coverage.Source reviewed 2026-09-11
5
Internal Revenue Service — Internal Revenue Bulletin 2019-28 — HRA integration final rulesPrimary regulatory text for ICHRA notice timing, individual-coverage substantiation, classes, and opt-out rules.Source reviewed 2026-08-16
6
Internal Revenue Service — ICHRA affordability safe harborsEmployer-mandate safe-harbor framework for applying ICHRA affordability rules.Source reviewed 2026-08-16
7
Centers for Medicare & Medicaid Services — 2026 Marketplace Open Enrollment ReportReports 23.1 million Marketplace plan selections or automatic re-enrollments during the 2026 open enrollment period.Source reviewed 2026-08-16
8
HRA Council — Growth Trends for ICHRA & QSEHRA 2024–2025Aggregated 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.Source reviewed 2026-08-16
9
HRA Council — Mississippi Governor Signs ICHRA Tax Credit BillIndustry association notice linking to Mississippi's enacted 2026 ICHRA tax-credit legislation.Source reviewed 2026-08-16
10
HRA Council — Arizona ICHRA bill highlights state progressIndustry association summary of Arizona HB 2693, signed June 4, 2026, directing an ICHRA feasibility study for state employees.Source reviewed 2026-08-16
11
Savii — Savii — Modern ICHRA benefits platformProvider-published overview of its platform, plan-shopping experience, administration, and support model.Source reviewed 2026-08-16
12
Savii — Solutions for EmployersProvider-published documentation for contribution management, enrollment tracking, compliance workflows, reporting, and intended employer segments.Source reviewed 2026-09-11
13
Savii — About ICHRAProvider-published description of implementation, documentation, substantiation, and employer use cases.Source reviewed 2026-08-16
14
Savii — Book a Savii demoProvider page addressing employers, employees, and brokers.Source reviewed 2026-08-16
15
Take Command — Take Command HRA administrationProvider-published overview stating support for enrollment, compliance, and employees and use by more than 8,000 organizations.Source reviewed 2026-09-11
16
Take Command — HRA administration pricingHistorical 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.Source reviewed 2026-09-12
17
Take Command — ICHRA employee affordability calculatorProvider-operated affordability tool and employee-facing explanation.Source reviewed 2026-08-16
18
Remodel Health — ICHRA+Provider-published description of automated premium payments, employer tools, and compatibility with more than 200 HRIS and payroll systems.Source reviewed 2026-09-11
19
Remodel Health — Remodel Health for brokers and agentsProvider-published scale, service, broker-support, and PeopleKeep relationship claims.Source reviewed 2026-08-16
20
Remodel Health — ICHRA for enterprise businessesProvider-published enterprise capabilities, payment operations, integration breadth, and customer-support claims.Source reviewed 2026-08-16
21
PeopleKeep — PeopleKeep pricingProvider-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.Source reviewed 2026-09-11
22
PeopleKeep — PeopleKeep ICHRA administrationProvider-published product overview for digital HRA administration, shopping, documentation, and expense tracking.Source reviewed 2026-09-11
23
PeopleKeep — PeopleKeep ICHRA contribution reportingProvider-customer dataset and contribution analysis. Useful as a directional benchmark, not a census of the full ICHRA market.Source reviewed 2026-08-16
24
Thatch — Thatch modern health benefits platformProvider-published platform, health-wallet, support-metric, and ICHRA information.Source reviewed 2026-08-16
25
Thatch — Custom ICHRA plans and administrationProvider-published employer design, employee-class budgeting, launch, and administration information.Source reviewed 2026-08-16
26
Thatch — Thatch for PlatformsProvider-published APIs and embeddable components for platforms integrating ICHRA workflows.Source reviewed 2026-08-16
27
Thatch — Thatch welcomes Venteur customersProvider announcement that Venteur employers, employees, and brokers would transition to Thatch beginning in April 2026.Source reviewed 2026-08-16
28
Thatch Support — Venteur member transition FAQsSupport documentation stating that Venteur customers were transferred during April 2026.Source reviewed 2026-08-16
29
SureCo — SureCo for HR teamsProvider-published specialization for organizations with roughly 200 or more eligible employees, plus carrier, HRIS, and compliance capabilities.Source reviewed 2026-08-16
30
SureCo — SureCo enrollment platformProvider-published large-group enrollment, provider lookup, plan filtering, HRIS synchronization, reporting, and support information.Source reviewed 2026-08-16
31
SureCo — 2026 State of ICHRA ReportVendor-sponsored research using surveys and behavioral data. Treat findings as directional and review the report methodology before relying on them.Source reviewed 2026-08-16
32
Internal Revenue Service — Revenue Procedure 2026-26Section 3.02 sets the required contribution percentage at 10.22% for plan years beginning in 2027. Section 5 establishes the effective period.Source reviewed 2026-09-11
33
HRA Council — 2026 Growth Trends report hub and methodologyReporting hub lists 17 contributing organizations. The full report has now been reviewed; see the separate Volume Five source for figures and methodology.Source reviewed 2026-09-11
34
CMS — Employer initiatives: CHOICE ArrangementsPage modified September 10, 2026; identifies CHOICE as the current agency name for ICHRA. Administrative resources do not establish new legislation.Source reviewed 2026-09-11
35
U.S. Small Business Administration — SBA recognizes CHOICE ArrangementsSeptember 3 agency announcement. Promotional savings claims are not used as independently measured outcomes.Source reviewed 2026-09-11
36
CMS — CHOICE Arrangement third-party administrator informationPublic administrator information sheet linked from CMS employer resources; a discovery resource, not our assessment of provider quality.Source reviewed 2026-09-11
37
CMS — Updated statement regarding City of Columbus v. KennedyTwo-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.Source reviewed 2026-09-11
38
CMS — Marketplace regulations and guidancePrimary update index used to check whether rule announcements have later implementation guidance.Source reviewed 2026-09-11
39
CMS — 2027 Payment Notice final-rule announcementHistorical rule announcement; read alongside the subsequent August 4 court-status statement. Do not assume every announced provision is in effect.Source reviewed 2026-09-11
40
HRA Council — Growth Trends for ICHRA & QSEHRA, Volume FiveFull 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.Source reviewed 2026-09-11
41
HRA Council via PR Newswire — 2026 Growth Trends report announcementAssociation-issued release establishes announcement date and positioning. The underlying PDF controls numerical interpretation.Source reviewed 2026-09-11
42
Employee Benefit Research Institute — 2026 EBRI–Morgan Health Employer ICHRA Survey28-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.Source reviewed 2026-09-11
43
Employee Benefit Research Institute — ICHRA survey program and sponsorsResearch scope and commercial sponsor disclosures; sponsor participation includes questionnaire input.Source reviewed 2026-09-11
44
Morgan Health — New EBRI–Morgan Health survey on ICHRAsSponsor's interpretation of employer research. Headline percentages may use different groups; the chartbook and question denominator take precedence.Source reviewed 2026-09-11
45
HealthSherpa for ICHRA — 2026 ICHRA mid-year updateCompany-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.Source reviewed 2026-09-11
46
Cigna Healthcare — Individual and family medical plan shopping noticeUndated notice checked September 11: individual/family medical plans will not be offered for 2027; dental continues. Does not describe Cigna group coverage.Source reviewed 2026-09-11
47
Justworks — Justworks partners with Thatch on ICHRAProduct partnership launch, not an acquisition. Features and operational scope are company descriptions, not independently tested service results.Source reviewed 2026-09-11
48
Zorro via PRWeb — Zorro launches Ori for ICHRA plan selectionAnnounces 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.Source reviewed 2026-09-11
49
Indiana Department of Revenue — 2026 legislative synopsis: HEA 1210Pages 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.Source reviewed 2026-09-11
50
Mississippi Department of Revenue — 2026 legislation: HB 343Confirms HB 343 creates an ICHRA-related small-employer income tax credit. No application availability or credit reservation is inferred.Source reviewed 2026-09-11
51
Mississippi Legislature — 2026 legislative summary: HB 343Page 153 records signature April 6, 2026 and effective date January 1, 2026; defines qualifying employers. Reviewed excerpt; detailed claim mechanics are not reproduced.Source reviewed 2026-09-11
52
Florida Senate — 2026 HB 141 bill historyHistory records HB 141 died in Insurance & Banking on March 13, 2026. A proposed effective date is not proof of enactment.Source reviewed 2026-09-11
53
Texas Legislature — 89th Legislature SB 1949 history2025 bill record shows referral to Finance, not enactment. Historical proposal, not a verified available tax benefit.Source reviewed 2026-09-11
54
Internal Revenue Service — Notice 2026-5: HSA eligibility guidanceNotice 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.Source reviewed 2026-09-11
55
CMS — ICHRA premium lookup data dictionaryReviewed dictionary describes 2026 lowest-cost Silver data and geographic/platform scope. It is not a verified 2027 premium table.Source reviewed 2026-09-11
56
CMS — Marketplace effectuated enrollment data seriesData catalog distinguishes annual and monthly effectuated enrollment. No current numeric count extracted; 2026 plan selections must not be relabeled paid coverage.Source reviewed 2026-09-11
57
U.S. House of Representatives via GovInfo — House calendar, September 8, 2026H.R. 5498 entry: reported amended June 29, supplemental report July 2, Union Calendar 622. Reviewed calendar status is not enacted law.Source reviewed 2026-09-11
58
U.S. Congress via GovInfo — H.R. 6708, ICHRA Permanency Act, introduced textIntroduced House version; useful to identify the proposal, not sufficient to assert its complete current procedural history.Source reviewed 2026-09-11
59
HealthCare.gov — Compare total yearly health-care costsPremiums and costs when receiving care; educational guidance, not a quote.Source reviewed 2026-09-12
60
HealthCare.gov — Getting medical care with Marketplace coverageDirectory and insurer checks for access to care.Source reviewed 2026-09-12
61
HealthCare.gov — Prescription medications and Marketplace coverageFormulary and insurer checks; no individual drug determination.Source reviewed 2026-09-12
62
HealthCare.gov — Complete your enrollment and pay your first premiumInitial premium payment and confirmation of coverage with the insurer.Source reviewed 2026-09-12
63
HealthCare.gov — Keep or change your insurance planRenewal review and updating Marketplace information.Source reviewed 2026-09-12
64
PeopleKeep — ICHRA pricing and billing FAQCurrent displayed starting rate, monthly base, three-seat minimum and account-administrator billing. Provider statements, not an independently verified contract.Source reviewed 2026-09-12
65
Thatch — Standard and Enterprise pricingStandard: 1–49 eligible employees, $45 per enrolled employee monthly, compliance fee starting at $25/month; unspecified minimum fee. Enterprise is custom.Source reviewed 2026-09-12
66
Remodel Health — Frequently asked questionsSubscription 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.Source reviewed 2026-09-12
67
SureCo — Frequently asked questionsAdministration cost drivers described; numeric employer administration schedule not located on this page.Source reviewed 2026-09-12
68
Savii — Public product homepageNo numeric administration schedule located on the reviewed homepage. Premium and contribution interface examples are not administration fees.Source reviewed 2026-09-12
69
Take Command — ICHRA administration tool: dated educational pricingMarch 7, 2023 article contains historical starting-price guidance. Not confirmed as a current September 2026 schedule; previously indexed /pricing returned HTTP 404 during review.Source reviewed 2026-09-12
Review dates are recorded for each source above. Company pages are useful for confirming how a product is described, but they do not prove service quality or customer results.