CHOICE Arrangements
Provider Oscar Healthhioscar.com$1.6B disclosed funding · Public
Founded 2012
Sells To Enterprises, Individuals
Pricing Model —
Ownership —

CHOICE Arrangements lets employers set a fixed allowance while employees choose ACA Marketplace health plans.
Oscar offers CHOICE Arrangements as an employer health-benefit option in which a company sets a defined allowance and employees select individual ACA-marketplace coverage. Oscar describes the arrangement for organizations of different sizes and says allowances may support health premiums and eligible care expenses.
Employers typically work with a broker or administration platform to design and implement the benefit, while employees choose coverage suited to their needs and seek monthly tax-free reimbursement. Oscar’s materials identify CHOICE Arrangements as the current name for ICHRA; availability and plan details depend on the employer and market.
Gravie

Gravie ICHRA
gravie.com
SureCo

SureCo CHOICE (ICHRA) Administration
sureco.com
Thatch

Thatch Health Benefits
thatch.com
| Attribute | CHOICE Arrangements | Gravie ICHRA | SureCo CHOICE (ICHRA) Administration | Thatch Health Benefits | |
|---|---|---|---|---|---|
| Provider | |||||
| Founded | 2012 | 2013 | 2016 | 2021 | |
| Sells To | Enterprises, Individuals | Business | Employers | Enterprise, Small Business | |
| Pricing Model | — | Subscription | — | Recurring, Software | |
| Ownership | — | Private | — | Venture Capital |
Provider Oscar Healthhioscar.com$1.6B disclosed funding · Public
Founded 2012
Sells To Enterprises, Individuals
Pricing Model —
Ownership —
Provider 
Founded 2013
Sells To Business
Pricing Model Subscription
Ownership Private
Provider 
Founded 2016
Sells To Employers
Pricing Model —
Ownership —
Provider 
Founded 2021
Sells To Enterprise, Small Business
Pricing Model Recurring, Software
Ownership Venture Capital

Defined-Cost Health Plans