Myths and Facts About CHOICE Arrangements

𝗠𝘆𝘁𝗵: One employer-selected health plan works for everyone.

𝗙𝗮𝗰𝘁: 94% of workers say they want more choice.

The employer health benefits model is under pressure. Premiums for small and midsize businesses rose an average of 18% in 2026, and family coverage now tops $37,000 a year.

CHOICE arrangements (formerly ICHRAs and QSEHRAs) give employers a better path. Employers set a defined, tax-free contribution, and employees choose the coverage that fits their lives.

𝗧𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀:
🔹 62% of employers with 100+ workers are likely to adopt
🔹 Group adoption grew 34% in 2025
🔹 Early adopters report an average 15.5% drop in healthcare costs
🔹 Nearly 9 in 10 say it was the right decision

CHOICE arrangements do not replace group coverage. They expand the options for employers and employees alike.

We busted 𝘀𝗲𝘃𝗲𝗻 𝗰𝗼𝗺𝗺𝗼𝗻 𝗺𝘆𝘁𝗵𝘀 in one page. 👇
Learn more at www.TheICAA.org