We are proud to partner with the U.S. Chamber of Commerce to provide flexible health benefit resources for today's small businesses.

Free ICHRAEmployer Guide

Download the free guide to cost-controlled health benefits through ICHRA (now called CHOICE Arrangements).

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Health benefits built for how teams work today.

Forget double-digit health plan rate hikes affecting your bottom line. With ICHRA, you set the budget. Your teams choose from hundreds of options with better quality at lower costs. That's how you take care of business.

Set a tax-free budget
(like a 401k)

Pick a fixed allowance per employee to skip annual costly premiums and renewal increases. Get 15-20% immediate savings2 unlike traditional group plans. Boost wages, hiring, or R&D instead.

Let your team pick
their own health plan

Employees shop directly from hundreds of health plans in the ACA with their tax-free funds. A friendly selection tool curates plans and products to their exact needs.

All costs covered &
money left over

Allowances are flexible to cover dental, vision, hospital care, cancer coverage, etc. (Or just save a little extra.)

Healthier teams go further.

When people get care that actually works for them, they show up differently. Oscar plans are designed for real people in different stages of life, with their own conditions and needs. Another plus? People genuinely like the experience:

91% team satisfaction
after switching.4
25 to 55% jump in team trust after a
positive benefit experience.4

The business impact is big.

$2.5M

saved in a year by a 500-employee company with a $27k average per employee premium*

$1M

saved in the first year by a 450-person tech firm, increasing 401(k) contributions by 25%*

+34%

group ICHRA adoption YoY*

9 out of 10

groups who adopted ICHRA renewed YoY2

+39 vs. +15 NPS

ICHRA vs. Group Net Promoter Score averages4

10-30% Savings

delivered by 82% of brokers2

Person wearing headphones standing by a laptop.

Traditional plans

Costs

Unpredictable hikes hit the bottom line.

Savings

None! Yearly rate increases of about 20%.

Plans

Three rigid plan options for employees.

Coverage

Part-time or seasonal workers often get left out.

Admin

Slow and complicated setup make compliance exhausting.

ICHRA plans

Costs

Employers control and set the budget.

Savings

~20-30% savings flow back to business.

Plans

Employees pick from hundreds of plans.

Coverage

Everyone in, no participation minimums.

Admin

Third-party platforms handle all the heavy lifting. No risk claims. No underwriting.

Footnotes

1SureCo State of ICHRA Report 2025 2SureCo State of ICHRA Report 2026 3ICHRA Broker Survey 2025 (Zorro) 4Deft 2025. A +39 NPS that nearly triples the satisfaction of traditional group plans. 5M3 Insurance (2025) 6SureCo (2024) 7HRA Council Report 2025