Brokers
Win and service CHOICE Arrangement cases in one workspace — from first conversation through renewal.
Open the workspace
CHOICE Arrangements · formerly ICHRA
Employer sets the budget. Employees choose the plan.
Defined = the employer locks the contribution. Choice = the employee picks the policy.
Choose your path
Brokers. Employers. Employees.
Same CHOICE Arrangement platform — pick the door that fits you.
Employers
Lock a fixed contribution, stay employer-sponsored, and give people real plan choice.
See the modelEmployees
Use the employer allowance to shop individual coverage that fits doctors, family, and budget.
How the allowance works
Illustrative example
See how the allowance works
Slide the monthly employer contribution. Employee cost is the sample plan premium minus the allowance (never below zero).
ILLUSTRATIVE
Allowance
$550
Sample plan premium: $510 / month
Employee pays
$0
Employee pays = max(0, sample plan − allowance). CHOICE Arrangement example for education only — not a quote.
How it works
Three simple steps
From first conversation to a live CHOICE Arrangement — without spreadsheet chaos.
Design the allowance
Set employee groups and monthly amounts. Model employee cost examples so decision-makers see the budget clearly.
Propose and decide
Package the story for leadership: savings narrative, compliance context, and next steps in a decision-ready proposal.
Guide employees
Help people understand the allowance, shop individual coverage, and keep the case live at renewal.
Platform
See the broker workspace
Cases, allowances, and employee groups in one place — built for CHOICE Arrangements.
Product
Three modules. One workspace.
Start where the case needs you — design in Workspace, sell with Proposal, educate with Guide.
Workspace
The living home for every CHOICE Arrangement: employee groups, allowances, documents, and broker–employer collaboration.
Explore Workspace →
Proposal
Turn design into a decision-ready package — narrative, math, and compliance context decision-makers can act on.
Explore Proposal →
Guide
Employee-facing education and next steps so defined contribution feels clear on day one and at renewal.
Explore Guide →
Compare
Group medical vs. CHOICE Arrangement
Instead of one group plan for everyone, a CHOICE Arrangement lets the employer contribute a set amount toward individual coverage employees choose.
| Topic | Traditional group | CHOICE Arrangement |
|---|---|---|
| Employer role | Selects and sponsors one (or few) group plans | Sets allowance; employees choose individual coverage |
| Cost control | Premiums tied to group risk and plan design | Budget by employee group and amount |
| Employee choice | Limited to plans on the group menu | Shop individual market options that fit |
| Geography & workforce | Harder with multi-state or mixed populations | Works well across locations and employee groups |
| Admin focus | Carrier negotiations, renewals, plan changes | Allowance design, education, ongoing workspace |
What is a CHOICE Arrangement? · CHOICE vs. group · How it works
FAQ
Questions brokers ask
Straight answers about CHOICE Arrangements, the software, and who owns the client.
CHOICE Arrangement is the public name. ICHRA is still the regulatory name.
Brokers lock the employer contribution and show the employee cost. We are software, not the insurer or TPA.
No. The licensed producer places coverage. The app is the case file and proposal.
No. The homepage slider is illustrative. A sample plan of $510 minus the allowance, never below zero.
The broker stays the producer.
See DefinedChoice in action
Open the workspace to walk cases and allowances — or talk with your broker about a CHOICE Arrangement.