Available NowCHOICE Arrangement

A monthly allowance toward any plan your employees choose.

The CHOICE Arrangement (ICHRA) gives every eligible employee a tax-free monthly allowance. Each employee picks any qualifying individual plan where they live. You set the amount. Enough! Health administers everything: documents, notices, payments and reporting, with the Enough! app and the Care Approved Card.

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The CHOICE Arrangement in plain English

No jargon. Here’s exactly how it works.

01

A defined monthly allowance

A CHOICE Arrangement is a health reimbursement arrangement that lets an employer give each eligible employee a set monthly dollar amount toward individual health coverage.

02

Tax-free for everyone

Employer contributions are tax-deductible. Employees receive the allowance tax-free. No payroll taxes on either side.

03

You set the budget

Choose different allowance amounts for different employee classes (full-time and part-time, salaried and hourly, by work location, and more).

How it reduces costs

Three structural inefficiencies in traditional group plans, and how a CHOICE Arrangement removes each one.

01

Flat, disclosed administration

Traditional group plans carry substantial administrative fees. A CHOICE Arrangement replaces that with a flat $45 per eligible employee per month Enough! Health administration fee.

02

No pooled renewal

Group plans pool all employees together, so one year's claims set everyone's renewal. With a CHOICE Arrangement your cost is the allowance you set, and it changes only when you change it.

03

Prices shown before care

Every employee gets the Enough! app and the Care Approved Card: posted prices before they go and an advisor one tap away, whichever carrier they chose.

What it costs

One flat administration fee. Your allowance is yours to set.

  • $45 per eligible employee per month.
  • QSEHRA (for employers under 50 with no group plan): $35 per eligible employee per month.
  • No setup fee for groups that come through a broker.
  • Priced per eligible employee, so an employee who opts out does not change your invoice.

Under 50 with no group plan? The QSEHRA may fit. $35 per eligible employee per month.

Set up a QSEHRA

Side-by-side comparison

See exactly how the two structures stack up.

FeatureTraditional group planCHOICE Arrangement
Monthly employer cost per employeeYour renewalYou set it
Who picks the planThe employerEach employee, any qualifying plan where they live
Annual increasesAt renewalOnly when you change the amount
AdministrationCarrier and broker$45 per eligible employee per month, documents, notices, payments and reporting included
Tax treatmentDeductible for the employer, tax-free for the employeeDeductible for the employer, tax-free for the employee

Run the numbers

Enter your headcount by age and family mix. The allowance table is yours to change.

Estimate your budget

Everything runs in your browser. Nothing is sent until you choose to send it.

Product

Headcount by age band

Eligible employees: 25

Family mix

Percent of employees in each tier

Allowance table

Self-only monthly amount per age band, times a multiplier per tier

Age band
Employee only
×
Employee and spouse
×
Employee and children
×
Family
×
Under 30
$		$30010 × 55%$57010 × 15%$51010 × 15%$75010 × 15%
30 to 39
$		$35010 × 55%$66510 × 15%$59510 × 15%$87510 × 15%
40 to 49
$		$4255 × 55%$8085 × 15%$7235 × 15%$1,0635 × 15%
50 to 59
$		$5500 × 55%$1,0450 × 15%$9350 × 15%$1,3750 × 15%
60 and over
$		$7000 × 55%$1,3300 × 15%$1,1900 × 15%$1,7500 × 15%
$

Estimated Results

Eligible employees

25

Monthly allowance budget

$12,637

the most you would fund; you pay only what is spent

Administration ($45 per employee)

$1,125/mo

$13,500 per year

Annual CHOICE budget

$165,141

Current annual cost

$195,000

Estimated annual difference

$29,859

Estimates. Allowance amounts are examples you can change; the family mix is applied the same way in every age band. The allowance is funded only when an employee uses it. Employees near the affordability line are reviewed one by one before any notice goes out. Not tax or legal advice.

Adds this CHOICE Arrangement estimate to the form below. Nothing is sent until you submit it.

Get your numbers

Tell us about your group and we will run a CHOICE Arrangement next to your current renewal.

Tell us about your group

A person reads every one of these and replies with numbers for your employee count, states and current plan. No newsletter.

States where employees live*
Interest*
Broker of record
Plan year start (optional)

No newsletter. One reply from a person.

How we set it up

Design and documents take about three weeks. The notice period is set by law.

  1. Week 1

    Design

    From your census we set classes, the allowance table (age and family tiers), scope (premiums only, or premiums plus care) and any §125 plan.

  2. Weeks 2 to 3

    Documents

    Plan document, summary plan description, the employee notice built on the CMS model, the annual ERISA-status notice and any §125 document, signed electronically.

  3. Before the plan year

    Notice and enrollment

    Employees are noticed at least 90 days before the plan year starts. An arrangement set up less than 120 days before its start date can notice employees by the first day it takes effect. Employees shop during open enrollment or their 60-day special enrollment window with a licensed advisor and confirm their coverage.

  4. Monthly

    Payments

    The Care Approved Card pays the premium. You fund only what is spent, from your own account.

  5. Ongoing

    Run and report

    Eligibility, life events, the annual opt-out and renotice, Form 1095-C, the PCORI fee and Form 5500 when required, tracked on a calendar built from your plan.

Frequently asked questions

Is a CHOICE Arrangement ACA compliant?+

Yes. The CHOICE Arrangement is an individual coverage HRA authorized under federal law. An applicable large employer that offers an affordable allowance satisfies the employer mandate, and employees use the allowance on ACA-qualifying individual coverage.

What happens to unused allowance?+

Unused allowance stays with you. Carryover within the plan year is a plan-design choice and is off unless you turn it on.

Can I offer different amounts to different employees?+

Yes. A CHOICE Arrangement lets you set different allowance amounts for different classes of employees: full-time and part-time, hourly and salaried, by work location, and more. Within a class, the amount can vary by age and family size.

What if an employee doesn't buy insurance?+

An employee must be enrolled in individual coverage or Medicare to use the allowance. They confirm their coverage once a year before the first payment and once a month after; the card stays off until they do.

How long does implementation take?+

About three weeks of design and documents. Employees must be noticed at least 90 days before the plan year; an arrangement set up less than 120 days before its start can notice them by the first day it takes effect.

Enough! Health is not a retirement account, investment vehicle, or brokerage product. The Individual Premium Reserve is a health plan feature, not a securities product.

Employees may choose any qualifying individual health plan; the employer does not select or endorse any carrier or plan. Enough! Health Insurance is an affiliate of Enough! Health Administrators. Its plans are not yet offered, will be available only where approved by state regulators, and when offered will appear on the same list as every other qualifying plan, ranked by the same rule. Marsh McLennan Agency is an independent licensed insurance agency and may be paid by insurance carriers. Employees offered an affordable CHOICE Arrangement cannot claim premium tax credits; employees offered one that is not affordable may opt out and claim them. Enough! Health Administrators is a licensed third-party administrator; licensing varies by state. General information only, not tax or legal advice.

Ready to calculate your savings?

A 30-minute consultation includes a side-by-side cost comparison for your employee count, current premiums, and state.

Get your numbersSchedule a Consultationemployers@joinenoughhealth.com