"Even when ICHRA isn't the right fit, it creates leverage. Employers may get an ICHRA quote showing six- or seven-figure cost savings -- and, whether they switch or not, that quote puts pressure on the current carrier to negotiate. For smaller businesses, especially, that kind of leverage didn't exist before. This is about power. That leverage disappears if you're pitching ICHRA on the wrong assumptions -- and many brokers are, because the two biggest assumptions they bring to it are outdated."  MORE >>