A National Public Affairs Campaign for ICHRAs

Employers fund it.
Employees choose it.

The Insurance Choice & Affordability Alliance (ICAA) exists for one purpose: increasing awareness, understanding, and informed dialogue around Individual Coverage Health Reimbursement Arrangements (ICHRAs).

Why ICAA Exists

Healthcare benefits are evolving, yet many employers, employees, and policymakers remain unfamiliar with the opportunities ICHRAs can provide.

Through a national public affairs campaign, ICAA raises awareness, builds understanding, and fosters informed dialogue around ICHRA among employers, employees, and policymakers — bridging that knowledge gap by providing the facts, tools, and resources needed to understand how ICHRAs work and where they may fit within today's healthcare landscape.

ICHRAs are an affordable and widely available employer healthcare option within a broader suite of employer-sponsored solutions.
Our Goal

Through a collaborative national public affairs campaign, catapult ICHRA into a recognized, trusted health benefit option — shaping an informed dialogue among employers, employees, and policymakers so that flexible health benefit solutions strengthen employer-sponsored healthcare nationwide.

Who We Bring Together
Employers Brokers & Advisors Benefits Innovators Health Plans Policymakers Employees
What We Do

Turning Awareness Into Action.

01

Develop

Practical educational resources and tools that help employers, brokers, and policymakers understand how ICHRAs work.

02

Share

Research, data, and real-world employer experiences that ground the conversation in evidence, not speculation.

03

Convene

Employers, brokers, policymakers, and industry leaders around a shared goal: modernizing employer-sponsored healthcare.

04

Host

Webinars, forums, and thought leadership discussions that keep the campaign's expertise visible and accessible.

05

Promote

Informed dialogue around healthcare choice, affordability, and innovation — nationwide.

ICHRA Benefits Calculator
$28,560 EMPLOYER SAVINGS
$1,872 EMPLOYEE CHOICE
Bronze — HSA eligible$312/mo
Silver — PPO network$418/mo
Gold — Low deductible$556/mo
Illustrative example
Coming Soon

A practical tool for employers and employees to estimate savings and compare plan options. Figures shown are illustrative — live data coming soon.

How An ICHRA Plan Works

1
Employer Funds the benefit with tax-free dollars

→
2
Employee Receives the funds in their own ICHRA account

→
3
Employee Shops the individual marketplace for a health plan

→
4
Employee Chooses the plan that fits their life and budget


Brokers, advisors, and administrators help employers set up ICHRAs and help employees navigate their options.
✓ Choice $ Affordability ◆ Flexibility

Why ICHRAs Are Needed

84%

of small businesses offering ICHRA were providing health insurance for the first time.1

98%

of small employers fear insurance costs will become unsustainable within the next 5–10 years.2

76%

of businesses only offer one health plan.1

19.2M

lives in the individual market — with large risk pools in each state.3


By moving more people into the individual market, ICHRAs increase the size and stability of state risk pools -- producing a significantly lower cost trend then conventional employer-sponsored insurance.


Average Annual Premium Growth (2018–2024 CAGR)4
4.3% Employer-sponsored insurance
0.2% Individual marketplace
SOURCES   1. KFF Employer Health Benefits Survey (2024)  
2. NFIB Healthcare Policy Research (2026)  
3. ASPE Issue Brief: ACA Exchange Enrollment in 2026 (June 26, 2026)  
4. Mercer Employer Health Benefit Data & CMS ACA Public Use Files (2018–2024 CAGR)

More choice for employees. More predictable costs for employers. Another way to deliver health benefits that works for everyone.

JOIN THE CAMPAIGN