Is ICHRA Really Just Cost Shifting? Understanding Where the Risk Actually Goes
Is ICHRA really just shifting healthcare costs somewhere else? I hear this argument more often as ICHRA, now CHOICE Arrangement, continues to grow and attract…
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2027 Health Insurance Rates Are Rising: What Employers Need to Know
Health insurance costs continue to place pressure on employers, employees, and families across the country. As insurers begin releasing their proposed rates for 2027, employers…
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ICHRA Growth Trends Every Employer Should Know Before Open Enrollment
Since becoming available in 2020, Individual Coverage Health Reimbursement Arrangements (ICHRAs) have become an increasingly common health benefits strategy for employers across the country. An…
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Why Schools and Universities Are Adopting ICHRAs
Educational institutions across the United States—from K-12 districts to colleges and universities—are under intense financial pressure. Declining enrollment, rising operational costs, reduced funding, and intense…
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Case Study: How a Public School District Reduced Health Benefit Costs by 40% with ICHRA
Introduction Like many school districts across Minnesota, this public school was navigating mounting financial pressure. Inflation, uncertainty around potential federal funding cuts, and the rising…
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Top Misconceptions About ICHRAs—Debunked
As health benefits continue to evolve, more employers are exploring the Individual Coverage Health Reimbursement Arrangement (ICHRA) as a flexible and cost-effective alternative to traditional…
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Minnesota Employers Brace for Major Rate Increases
Minnesota’s health insurance market is bracing for another challenging year. Renewal increases across both the employer group and individual markets are shaping up to be…
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What Small Business Owners Need to Know About Offering Benefits in a Tight Labor Market
In today’s competitive hiring environment, small business owners face a unique challenge: attracting top talent and retaining high performers—often on limited budgets. While competitive pay…
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Public Law No. 119-21: Why Employers Should Start Planning Now
Beginning January 1, 2026, a federal policy update will go into effect that allows Health Savings Account (HSA) funds to be used for Direct Primary…
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How ICHRA is Transforming Healthcare
In the face of rising healthcare costs and shifting workforce expectations, the traditional group health insurance model is becoming harder for many employers to sustain….
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