After a year of major growth, the ICHRA Exclusive Podcast is back—and we’re kicking off Season 2 with an honest conversation about what’s actually happening in ICHRA.

In this episode, we’re joined by Bill Williams, former Oscar Health leader and now Head of Product at Remodel Health, to unpack the realities of 2025. With a **20% rate increase—the toughest ICHRA year in the past five—**the headlines weren’t pretty. But here’s the truth: even a bad year in ICHRA still outperforms a bad year in traditional group health insurance, where employers regularly face 40–60% renewals after a single rough claims cycle.

We dig into why ICHRA continues to be a viable escape hatch for employers, how carriers like Anthem are now naming plans after the model, and why the long-standing “plumbing” issues are finally being fixed. The conversation has shifted—from questioning whether ICHRA works to focusing on how we make it great.

If you’re navigating rising healthcare costs, evaluating alternatives to group plans, or want a candid look at where ICHRA is headed next, this episode is for you.

Want to keep the conversation going?

Learn more about ICHRA or see how Remodel Health can support your organization by connecting with our team. We’re always happy to answer questions, share insights, and help you navigate what’s next.

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Libby Hart and Vince Sullivan from Capital Blue Cross explore the intricacies of ICHRA, risk adjustment, and reinsurance. They discuss the evolution of ICHRA, its impact on the health insurance landscape, and the demographics of individuals enrolling in ICHRA plans. Vince provides insights into risk adjustment mechanisms and how they affect premiums, while Libby emphasizes the importance of brokers understanding and presenting ICHRA options to clients. The conversation highlights the need for collaboration and knowledge-sharing among brokers, employers, and health insurance providers to navigate the changing landscape effectively.

Jake Cleer, VP of Sales at New Benefits, shares about the evolving landscape of employee benefits. They discuss the powerful consumer signals that employees are sending to employers, the importance of brokers in interpreting these signals, and the growing demand for non-insured benefits such as pet care, mental health support, and fertility services. The conversation also covers best practices for brokers, payment structures for benefits, and the significance of offering a diverse range of options to meet employee needs.