Employers fund it.
Employees choose it.
The Insurance Choice & Affordability Alliance (ICAA) exists for one purpose: increasing awareness, understanding, and informed dialogue around CHOICE Models (formerly known as Individual Coverage Health Reimbursement Arrangements, or ICHRAs).
Healthcare benefits are evolving, yet many employers, employees, and policymakers remain unfamiliar with the opportunities CHOICE Models (formerly ICHRAs) can provide.
Through a national public affairs campaign, ICAA raises awareness, builds understanding, and fosters informed dialogue around CHOICE Models (formerly ICHRAs) among employers, employees, and policymakers — bridging that knowledge gap by providing the facts, tools, and resources needed to understand how they work and where they may fit within today's healthcare landscape.
Through a collaborative national public affairs campaign, catapult CHOICE (formerly 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.
Develop
Practical educational resources and tools that help employers, brokers, and policymakers understand how CHOICE Models (formerly ICHRAs) work.
Share
Research, data, and real-world employer experiences that ground the conversation in evidence, not speculation.
Convene
Employers, brokers, policymakers, and industry leaders around a shared goal: modernizing employer-sponsored healthcare.
Host
Webinars, forums, and thought leadership discussions that keep the campaign's expertise visible and accessible.
Promote
Informed dialogue around healthcare choice, affordability, and innovation — nationwide.
Turning Awareness Into Action.
The Centers for Medicare & Medicaid Services has provided a customizable Cost Estimator tool to explore both the cost of CHOICE Models including estimating your business’s monthly costs, and see what employees may pay.
CLICK BELOW TO DOWNLOAD YOUR OWN COPY OF THE CALCULATOR
How A CHOICE (formerly ICHRA) Plan Works
Brokers, advisors, and administrators help employers set up CHOICE Models (formerly ICHRAs) and help employees navigate their options.
Why CHOICE Models (formerly ICHRAs) Are Needed
of small businesses offering CHOICE Models (formerly ICHRAs) were providing health insurance for the first time.1
of small employers fear insurance costs will become unsustainable within the next 5–10 years.2
of businesses only offer one health plan.1
lives in the individual market — with large risk pools in each state.3
By moving more people into the individual market, CHOICE Models (formerly 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
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.