Healthcare News & Blog

CHOICE Arrangements explained to employers: what employee friction is and how to manage it.

CHOICE Arrangement reimbursements are 100% tax-deductible and exempt from payroll taxes — making them more tax-efficient than a traditional group plan or a cash stipend. This article breaks down five ways North Carolina employers can reduce their tax liability while offering better, more flexible health benefits to their employees.

Restaurants, multi-state employers, construction companies, and startups thrive with a CHOICE Arrangement. Older, stable workforces may not. Here's how to tell the difference.

Seven proven strategies to close the coverage gap between CHOICE Arrangements and group health plans — from over-funding to dependent subsidies and supplemental benefits.

More employers are replacing traditional group health plans with CHOICE Arrangements (formerly called Individual Coverage Health Reimbursement Arrangements, or ICHRAs). If your employer is making this switch, here's what you need to know about how it works, what changes for you, and how to choose the right health plan.

CHOICE Arrangements and Medicare work together seamlessly, offering significant advantages for employers with Medicare-eligible workers. This guide explains what expenses qualify for reimbursement, how to structure contributions, and the tax benefits for both employers and employees.

A CHOICE Arrangement offers employers predictable costs and employees' personal choice—a combination that traditional group health insurance can't match. Here's why adoption is accelerating.

Learn why a CHOICE Arrangement outperforms taxable stipends for small business health benefits. Compare tax savings, Medicare employee options, compliance advantages, and flexibility to make the smartest choice for your team.

This employer guide to the CHOICE Arrangement (formerly ICHRA) explains how employers can reimburse employees for individual health insurance premiums and expenses, offering cost savings, budget control, flexibility, and tax benefits over traditional group plans.

In September 2026, CMS and the SBA renamed the ICHRA the CHOICE Arrangement. The rules haven't changed, so you'll still see both names used.
CHOICE Arrangements—formerly called Individual Coverage Health Reimbursement Arrangements (ICHRAs)—are transforming how employers provide health benefits, offering a flexible, scalable alternative to traditional group health insurance. Introduced as ICHRAs in 2020 under regulations from the Departments of Health and Human Services, Labor, and Treasury, CHOICE Arrangements allow businesses of all sizes to reimburse employees for individual health insurance premiums and qualified medical expenses.
What is a CHOICE Arrangement?

QSEHRAs are surging in popularity among small employers with fewer than 50 employees. These tax-advantaged plans reimburse workers for individual health insurance and medical expenses, offering cost predictability, employee flexibility, and simplified administration.