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.

In this episode, we focus on the growing interest in Individual Coverage Health Reimbursement Arrangements (ICHRA) and how it's impacting the market. We'll hear from special guests Katherine Torres and Justin Clements as they explore the historical context of ICHRA, the impact of consumer demand on health benefits, and the advantages of ICHRA for both employers and employees. The conversation also addresses common misconceptions about ICHRA and emphasizes the importance of brokers in guiding clients through the evolving landscape of health benefits. The episode concludes with insights on the future of health benefits and the proactive steps brokers can take to support their clients.

Angela Platta, a seasoned broker, explores the intricacies of Individual Coverage Health Reimbursement Arrangements (ICHRA) from a broker's perspective. They discuss the implementation process, common misconceptions, pain points for brokers and employers, and strategies for identifying suitable employers for ICHRA. Angela emphasizes the importance of education and communication in successfully introducing ICHRA to clients and the evolving landscape of health benefits in response to changing workforce needs. The conversation concludes with insights on compensation structures for brokers and the future of ICHRA in the healthcare market.

Are you a licensed health insurance broker? Boost your business and become ICHRA Certified at ichraacademy.com!

In this episode, John Staub and Louis DeStefano of Oscar Health explore how health insurance is evolving to put consumers at the center of the experience. Louis sheds light on the critical role brokers play in navigating these changes, highlighting the innovative ways Oscar Health is driving transparency, flexibility, and personalized care. Whether you're a health insurance broker or someone interested in the future of healthcare, this episode will offer valuable insights into how the industry is transforming to better meet consumer needs.

Visit ichraacademy.com to become ICHRA Certified!

In this episode of the ICHRA exclusive podcast, John Staub and Jonna Barnard discuss the implementation of Individual Coverage Health Reimbursement Arrangements (ICHRA) and the concept of 'white glove' service in health insurance. They explore best practices for brokers and employers, the importance of education in the onboarding process, and share impactful real-life stories highlighting the difference this service can make in people's lives. The conversation emphasizes the need for personalized support and the potential for brokers to empower their clients through informed choices in health insurance.

In this episode, John Staub interviews Libby Hart, an expert in individual coverage health reimbursement arrangements (ICHRA). They discuss the challenges and opportunities of implementing ICHRA, the importance of education and collaboration between brokers, carriers, and administrators, and the potential impact of ICHRA on expanding access to health benefits. They also highlight the need for brokers to identify the right groups for ICHRA and the importance of partnering with the right ICHRA administrator. Overall, the conversation emphasizes the goal of providing individuals with quality healthcare coverage and the potential of ICHRA to achieve that.