2026 ICHRA Trends Reshaping the Benefits Market

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After a year defined by rising premiums, policy uncertainty, and growing compliance complexity, the benefits landscape is entering 2026 with a clearer sense of what's working—and what isn't. Employers and brokers are reassessing long-term sustainability, while employees are becoming more engaged and cost-conscious in how they choose and use coverage.

Individual Coverage Health Reimbursement Arrangements (ICHRAs) have already proven their value as a flexible, scalable alternative to traditional group plans. What's changing is the environment around them. As the individual market matures and the supporting ecosystem continues to strengthen, 2026 is shaping up to be a year of more deliberate adoption, better execution, and broader confidence across the market.

Join us for a discussion on the trends shaping ICHRA and the broader benefits landscape in 2026, including:

• Growing pressure around healthcare affordability, pushing employers and employees to rethink how benefits dollars are allocated
• Continued improvements in technology and infrastructure, improving enrollment, administration, and decision-support 
• The expansion of the "healthcare wallet"—putting more dollars directly in people's hands—and the education and guidance required to make consumer-driven benefits successful
• What lies ahead for the ACA marketplace, including the ripple effects of expiring advanced premium tax credits and evolving policy dynamics

Whether you're advising employers, designing benefits strategies, or navigating renewals yourself, this session will equip you with actionable insights to help you plan smarter, stay ahead of change, and confidently prepare for the year ahead.

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