HIT Consultant October 31, 2025
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are rapidly gaining traction as an alternative to traditional group plans. What began as a niche option for small employers is now reshaping the broader health insurance marketplace — and accelerating a fundamental shift toward Individual market enrollment.
As adoption grows, so do the operational demands. ICHRA doesn’t fit neatly into legacy group-based systems. It requires a decentralized, multi-stakeholder infrastructure: benefit technology vendors (BenTechs), third-party administrators (TPAs), carriers, and marketplaces, all working together to support employers and employees in real time.
To keep pace, health plans need flexible Off-Exchange infrastructure that can support nonstandard data, high-volume enrollment and partner integrations — without creating new administrative burdens or requiring full system overhauls.
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