For health insurance brokers

Turn a census into a CHOICE Arrangement proposal in minutes.

Upload a prospect's employee census. Choice Arrangement Deck looks up each employee's lowest-cost silver plan from official CMS Marketplace data, runs the CHOICE Arrangement (ICHRA) affordability test with IRS safe harbors, recommends allowances by class, and builds a proposal with your branding.

Try it for free Request early access See how it works
  • 2026 and 2027 affordability percentages
  • Rate of pay, W-2, and FPL safe harbors
  • PDF and PowerPoint proposals
Illustrative mockup with sample data — not a real client, quote, or savings projection.

How it works

From spreadsheet to proposal in four steps

  1. Upload the census

    Age, home ZIP code, coverage tier, wage, and employee class for each employee. Problems are flagged before anything is calculated.

  2. Look up plans

    Each employee is matched to their rating area and lowest-cost silver plan using CMS Marketplace data.

  3. Test affordability

    Pick a safe harbor. The tool recommends the minimum monthly allowance per class and compares cost with the current group plan.

  4. Present your proposal

    Export a broker-branded PDF or PowerPoint, or share a link with the employer.

Walk through each step

Features

Everything you need for the affordability conversation

Built around the work brokers already do for CHOICE Arrangement (ICHRA) prospects, without the spreadsheet gymnastics.

Census upload & validation

Start from the spreadsheet your prospect already has. Problems are flagged before any numbers are calculated.

Plan & rate lookup from CMS data

Each employee's benchmark plan comes from official CMS Marketplace data, not a hand-built spreadsheet.

Affordability engine with IRS safe harbors

Run the CHOICE Arrangement (ICHRA) affordability test for every employee, using the safe harbor that fits the employer.

Allowance optimizer by employee class

Find the lowest monthly allowance that keeps the offer affordable, class by class.

White-label proposals

A polished, broker-branded proposal your client can read without a walkthrough.

Security & privacy

Census data is sensitive. Our practices are designed to treat it that way.

See all features

Who it's for

Made for the people who sell and service CHOICE Arrangements

Independent brokers

Answer “would an ICHRA be affordable for my team?” with a real analysis instead of a rough guess, and look polished doing it.

Agencies

Give every producer the same method, the same data, and the same agency branding on every proposal.

Your employer clients

Applicable large employers (50+ full-time employees) need affordable offers to avoid employer mandate penalties. Smaller employers want a clear cost picture.

White-label proposals

A proposal your client can actually follow

Every proposal carries your agency's logo, colors, and contact details. It walks the employer through who was analyzed, the recommended allowance for each class, how the affordability test was applied, and what it costs compared with today's group plan.

  • PDF for email, PowerPoint for meetings
  • Shareable link for online viewing
  • Assumptions and data sources listed in the proposal

Proposal outline

What goes into each proposal

  1. Cover with your agency brandingBranding
  2. Executive summaryOverview
  3. Census summary by employee classCensus
  4. Affordability results and safe harbor usedAffordability
  5. Recommended monthly allowancesAllowances
  6. Cost comparison with the current group planCost
  7. Assumptions and data sourcesMethod
  8. Next steps and your contact detailsContact

Where the numbers come from

Affordability and premium figures are built from public government data that anyone can check.

  • Plans & premiums: CMS Exchange Public Use Files (Plan Attributes, Rate, and Service Area files) for HealthCare.gov states.
  • Rating areas: CMS state geographic rating area definitions.
  • ZIP codes & counties: HUD USPS ZIP crosswalk and U.S. Census Bureau geographic files.
  • Affordability rules: IRS guidance (9.96% for 2026, 10.22% for 2027) and HHS federal poverty guidelines.

Refreshed each plan year when CMS publishes updates. Figures are estimates from public data, not tax or legal advice.

See all data sources

FAQ

Common questions

What is a CHOICE Arrangement?

A CHOICE Arrangement is the new name for an Individual Coverage HRA (ICHRA). In September 2026, CMS and the SBA began calling ICHRAs “CHOICE Arrangements.” It is an employer-funded health reimbursement arrangement: the employer sets a monthly allowance, employees buy their own individual-market coverage, and the employer reimburses premiums (and, if the employer chooses, other medical expenses) up to the allowance.

Who is Choice Arrangement Deck for?

Health insurance brokers, agents, and agencies who advise employers on a CHOICE Arrangement (ICHRA). Employers don't need an account; they receive the proposal you create.

How does the affordability test work?

For each employee, take the monthly premium of the lowest-cost silver plan for self-only coverage where the employee lives, and subtract the employer's monthly allowance. If what's left is no more than the IRS affordability percentage of the employee's household income, the offer is affordable. Because employers don't know household income, IRS safe harbors let them use wages or the federal poverty line instead. See a worked example.

Which states are covered?

The states that use the federally facilitated marketplace, HealthCare.gov. States that run their own exchange, such as Minnesota (MNsure), are planned for a later release.

Is this tax, legal, or insurance advice?

No. Choice Arrangement Deck produces estimates from public data to support your recommendations. It is not tax, legal, or insurance advice, and it doesn't replace the employer's own advisors.

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Ready for your next CHOICE Arrangement prospect?

Request early access and help shape a tool built for brokers. We'll reach out as spots open.

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