What's this white paper about?
This white paper examines the regional cost dynamics of CHOICE arrangements (Custom Health Option and Individual Care Expense Arrangement), previously known as ICHRA (Individual Coverage Health Reimbursement Arrangement), in comparison to traditional small group health insurance plans. Using Ideon’s 2025 ICHRA Map, it provides a detailed, state-by-state analysis of where CHOICE arrangements offer the greatest savings, and where small group plans may still hold an edge.
The report is designed to help employers, brokers, and benefits consultants determine when and where a CHOICE strategy makes the most financial and strategic sense. It also offers insights into legislative incentives, adoption trends, and the growing role of HRAs in expanding access to healthcare, particularly for small and mid-sized businesses or those with multi-state teams.
This white paper covers:
- Detailed 2025 cost comparisons between CHOICE and small group health plans
- The most CHOICE-friendly states
- County-level variations and mixed-state strategies
- States where small group health plans remain more competitive
- Recent CHOICE growth trends and adoption data (2023–2024)
- FAQs about CHOICE adoption, employee satisfaction, and multi-state strategy
- Legislative and policy updates that incentivize CHOICE adoption
Download the full white paper to discover where CHOICE offers the greatest savings to support smarter health benefit decisions.