Know your allowance
Learn how much your employer contributes, which employee group you are in, and what that means for your out-of-pocket cost.
For employees
Understand your allowance — then choose coverage that fits
With a CHOICE Arrangement (formerly ICHRA), your employer sets a defined contribution toward individual health coverage you choose. DefinedChoice Guide helps you understand the allowance and the steps ahead — in plain language, not jargon.
What this means for you
Employer dollars. Your plan choice.
Instead of one or two group plans chosen for everyone, your employer contributes a set amount. You shop individual-market options that fit your life, doctors, and budget.
Shop with context
Compare individual coverage options with the employer contribution applied — so you see realistic monthly costs.
Get clear next steps
Guide walks you through education and what to do next without burying you in benefits jargon.
Your Guide experience
See your allowance. Shop plans that fit.
Guide shows how much your employer contributes and walks you through individual coverage options in plain language.
Explore Guide
DefinedChoice Guide
Education built for people, not carryover decks
Your employer and broker use DefinedChoice to run the arrangement. You get clear, role-appropriate education on how the allowance works.
Plain-language explainers
What a CHOICE Arrangement is, how the contribution works, and how individual coverage differs from traditional group medical.
Day-one and renewal
Same clarity when you first join and when the arrangement renews — so you are not guessing every year.
Questions answered once
Shared education reduces the “can you explain this again?” loop for HR and brokers — and for you.
Still employer-sponsored
This is an employer benefits arrangement with a defined contribution — not “you are on your own.”
Want to learn more?
Start with the basics
Short educational pages on CHOICE Arrangements (formerly ICHRA) and how they compare to group medical.
What is CHOICE / ICHRA?
Plain-language overview of defined contribution toward individual coverage.
Read →CHOICE vs. group
How this model differs from traditional group medical benefits.
Compare →FAQ
Short answers about allowances, employee groups, and employee experience.
Browse FAQ →Employers & brokers: see the Guide in context
Open the workspace demo to walk employee education inside a live CHOICE Arrangement case.