Becker's Healthcare December 19, 2025
Elizabeth Casolo

Individual coverage health reimbursement arrangements are at an inflection point — payers are catching on, but not to the point of industry mass-adoption, and some employers still have their doubts.

Rather than providing a group health plan, employers can offer workers tax-free funds to select their own coverage from the individual marketplace through an ICHRA. Over the last five years, ICHRA adoption has increased by more than 1,000%, according to the HRA Council’s annual growth trends report. While still a relatively small force in the industry despite the uptick in adoption, lawmakers have also expressed interest.

Becker’s heard from three healthcare leaders on ICHRA’s positioning for 2026.

Alan Silver, president of Centene’s ICHRA business, is the first to hold the...

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