Employer update · SSGI Benefits ·
ICHRA Is Now Called CHOICE: What Employers Should Know
Federal agencies now use the name CHOICE Arrangement for the employer-funded health benefit commonly known as an Individual Coverage Health Reimbursement Arrangement, or ICHRA.
CMS and SBA announced the branding on September 3, 2026, with resources to help employers evaluate the approach. The announcement does not by itself change an employer’s existing plan or create a new tax benefit.
For employers, the key decision remains whether individual coverage fits their workforce and budget. SSGI helps evaluate employee coverage options, contribution strategies and administration needs alongside traditional group health plans.
Compare local individual plans, provider networks and employee costs with your group options. Review contribution design, permitted employee classes, affordability and premium tax credit interactions, notices, enrollment and reimbursement responsibilities. Savings and suitability depend on the employer and workforce.
CMS explains that some employers can handle administration functions internally; many use a third-party administrator. SSGI assesses feasibility and coordinates qualified partners. SSGI is not the reimbursement or claims administrator.
Sources: CMS employer guide (opens in a new tab) · SBA announcement (opens in a new tab)