Compare
CHOICE Arrangement vs. group medical
A CHOICE Arrangement (formerly ICHRA) is defined contribution toward individual coverage. Traditional group medical is employer-sponsored plan selection for the group. Here is how they differ.
| Topic | Traditional group | CHOICE Arrangement (formerly ICHRA) |
|---|---|---|
| Employer role | Selects group plan(s) | Sets allowance by employee group |
| Employee coverage | Chooses from group menu | Shops individual coverage |
| Budgeting | Premiums follow group risk & design | Contribution amount is designed up front |
| Multi-state teams | Often harder to standardize | Allowance model scales across locations |
| Broker focus | Carrier negotiation & renewals | Case design, proposal, employee guide |
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