Beyond one-size-fits-all: How ICHRA empowers employees and employers

Alan Silver is the president of ICHRA at Ambetter Health Solutions, the marketplace subsidiary of Centene.

Business leaders face a pivotal moment. Rising costs, workforce fragmentation and shifting employee expectations are challenging the status quo of employer-sponsored insurance, driving the need for sustainable, scalable solutions. Individual Coverage Health Reimbursement Arrangements, or ICHRA plans, are gaining signification traction.

This isn’t merely a trend: it’s a transformative approach to benefit design, aligning with modern workforce realities while preserving affordability and choice. For employers, it’s a chance to rethink how we deliver value. For policymakers, it presents a compelling blueprint for reform.

For decades, our country has grappled with providing affordable,