Market Trends

What is an ICHRA and Why Should Health Insurance Brokers Care?

Discover how ICHRAs are transforming the health insurance market and why licensed agents must adapt to stay ahead.

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Broker Strategy

The 3 Biggest Lies in the ICHRA Industry

Don't buy the lie. Learn how third-party platforms use misinformation to steal your Agent of Record (AOR).

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Broker Strategy

How to Transition Your Book of Business from Group Plans to ICHRA

A strategic guide for licensed health insurance agents looking to transition employer groups to the ICHRA model.

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Market Trends

ICHRA vs. Traditional Group Insurance: A Complete Broker's Comparison

A side-by-side comparison across 10 dimensions: cost model, renewals, risk ownership, quoting, class flexibility, multi-state, participation, portability, HSA compatibility, and employee choice.

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Market Trends

The Financial Benefits of ICHRA for Small and Mid-Sized Businesses

The Tax Triple Play, FICA savings math, real-world cost comparison scenarios, and why SMBs are the fastest-growing segment in ICHRA adoption.

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Compliance

ICHRA Affordability & the 3 IRS Safe Harbors Explained

A complete breakdown of affordability testing for ALEs — the three Safe Harbor methods, real math examples, ACA penalties, and the critical "Family Glitch" nuance every agent must master.

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Compliance

ICHRA and HSAs: How to Keep Employees HSA-Eligible

Can employees have an HSA with ICHRA? Yes — but only if you structure it correctly. Learn the three configurations, FSA stacking strategies, and the 7.65% FICA savings pitch that closes deals.

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Broker Strategy

The 11 ICHRA Employee Classes: A Strategic Design Guide

Master the 11 IRS-permitted employee classes — the "secret sauce" of ICHRA. Includes hybrid strategies, anti-cherry-picking rules, S-Corp owner traps, and Controlled Group warnings.

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