I’ve been through thousands of individual coverage health reimbursement arrangement implementations and still remember what it felt like to not understand any of it. Not just the details — the entire concept.
That’s exactly where most brokers, employers and their employees are right now. And that makes sense. Group health insurance has been the only model in the employer-provided benefits space for 80 years. There are habits that come with that, so ingrained that you don’t even realize they won’t apply in ICHRA. I know because I had to unlearn them. too. That’s the real challenge. Embracing ICHRA requires letting go of how you’ve always done things.
