The ICHRA and ACA intelligence hub for benefits professionals.
Explainers, analyses, and insights for navigating the shift to individual market benefits.
Featured Guide · ICHRA Education
The Broker's Practical Guide to ICHRA: What It Is, How It Works, and What Employers Are Actually Asking
A comprehensive guide for benefits brokers covering how ICHRA works mechanically, how it compares to group health and QSEHRA, the ACA subsidy interaction, and the questions employers ask most.
3 min read · January 13, 2026
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ACA & IFP
Why employees choose the wrong health plan — and what it means for your ICHRA implementation
The behavioral research on health insurance plan selection is clear: employees default to the lowest premium and pay for it in out-of-pocket costs, network surprises, and medication gaps. Here is what meaningful guidance looks like.
Broker Guides
ICHRA Compliance Essentials: What Brokers Need to Know Before Recommending the Switch
Notice requirements, ACA affordability rules, permitted employee classes, prohibited practices, and common mistakes — a practical compliance overview for brokers advising on ICHRA.