Predictable spend
Set employee groups and allowances so benefits cost is designed up front — not driven solely by group plan premiums.
For employers
Offer defined contribution benefits — with clear spend and real plan choice
A CHOICE Arrangement (formerly ICHRA) lets you set an allowance toward individual coverage employees choose. DefinedChoice helps you design employee groups, tell the story, and guide your workforce — without standing up a traditional group medical plan.
Why employers choose CHOICE
Budget by contribution. Give people options.
Control what you contribute by employee group and amount. Employees shop individual-market coverage that fits their situation — still with employer-sponsored dollars behind them.
Works across locations
Multi-state and mixed workforces fit naturally when people choose individual coverage instead of one group menu.
Clear employee path
Guide education explains the allowance and next steps so HR is not the only voice answering the same questions.
Decision packages
See the proposal your broker builds
Review savings narrative, employee-group allowances, and next steps in a decision-ready package — not a blank slide deck.
Explore Proposal
How DefinedChoice helps
From design to day-one education
Work with your broker in one workspace: design the arrangement, review a decision-ready proposal, and launch employee education.
Design with your broker
Capture goals, the employee census (list), and employee-group structure. Model allowances with clear employee cost examples before you commit.
Decide with a real package
Proposal packages the narrative, math, and next steps for leadership — not a pile of disconnected spreadsheets.
Guide your people
Employee-facing Guide content explains how the allowance works and how to shop coverage that fits.
Stay ready for renewal
Keep documents, employee groups, and collaboration in Workspace so renewals are an update — not a rebuild.
Learn the model
CHOICE Arrangement (formerly ICHRA) in plain language
Employers set a defined contribution; employees choose individual coverage. Compare that path to traditional group medical before you decide.
What is CHOICE / ICHRA?
Core concepts and how defined contribution differs from group medical.
Read the explainer →CHOICE vs. group
Side-by-side on cost control, choice, geography, and admin focus.
Compare models →How it works
End-to-end flow from case intake through Guide and Workspace.
See the flow →See DefinedChoice for your benefits team
Open the workspace demo, or request a quote with your broker or benefits lead.