Beyond the
Headlines
Timely takes on ICHRA policy, regulation, and market shifts — and what they mean in practice for brokers, TPAs, and HR leaders.
- 4
- Articles
Beyond the Headline: ICHRA is Now CHOICE Arrangement
CMS and SBA renamed ICHRA the CHOICE Arrangement on 9/3/26 — a rebrand, not a rule change. We lay out the realistic timeline for the two terms coexisting (ICHRA dominant for ~6 months, real mixing through month 12, CHOICE Arrangement leading for new entrants after that), what it means operationally for TPAs/GAs, and why our ICHRA platform (Kynd Choice) — with white-label customization for our partners since day one — was already named for where this was headed.
Beyond the Headline: What Early ACA Rate Filings Tell Us About ICHRA in 2027
When preliminary ACA rate filings land, they tell you more than next year's premiums. They signal individual market direction, inform contribution strategy, and affect how employers should be planning right now. Here's how to read the tea leaves — and what they mean for ICHRA timing.
Beyond the Headline: CMS Opens ACA Marketplace to Non-Network Plans
CMS just opened the ACA marketplace to non-network, reference-based pricing style plans — effective plan year 2028. For RBP-experienced TPAs and GAs, this is a convergence moment. Here's what the 2027 NBPP final rule actually does and why it matters for ICHRA.
Beyond the Headline: Cigna Exiting the ACA Marketplace
Cigna's exit from the ACA individual market is a carrier concentration story, a geographic coverage story, and an ICHRA story. We unpack what it signals about individual market volatility — and why that volatility cuts both ways for TPAs and GAs building ICHRA programs.
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