If health insurance is testing the limits of your budget and P&L, you've come to the right place. There are better strategies — and the CHOICE is yours.
Bottomline, health insurance is broken.
Connecticut rates are set to rise 11.2% on average in 2027.
Do you just accept it? You don't have to.
There is a better CHOICE — and our Expert Advisor Network has the experience, strategies, and creative toolsets to show you the path to take control back of your budget.
A CHOICE Arrangement and related alternative health coverage models can save your company and your workforce 30% or more — and our experts can show you the math and options in 30 minutes or less. Individual coverage starting as low as $158/mo.
CNBCThis isn't a bad year. It's a broken model, and the math is moving against Connecticut employers and families at exactly the wrong time.
Add inflation, rising interest rates, and the cost of everyday life — and a health-benefit bill your people can't absorb becomes an urgent problem you can actually fix.
It's really scary, as some may know — being left without insurance by your employer, because they can't afford the increases. We need more companies to look up and witness more opportunities that are out there. Whether a business has 500 employees or 50 employees or more, this is an idea whose time has come, and it's worth our investment.
CMS Administrator Dr. Mehmet Oz on the health-cost crisis facing employers — and why new models like CHOICE are an idea whose time has come.
Instead of one expensive group plan, your Connecticut employees access individual coverage priced for them. Here's how low monthly costs can start — by age:
*Illustrative lowest-cost monthly rates for available individual coverage options (2026), single coverage. Options include non-insurance alternatives; eligibility, plan design, and actual cost vary by person and situation. An advisor confirms what fits before you decide.
The old model makes you pick one plan and hope it fits 20 different families. It never does. CHOICE flips it: you fund a budget you control, and each employee picks what's actually best for them and their family.
Stop deciding what's best for someone else's family. Give your Connecticut team the flexibility to do what's best for them — and watch cost, satisfaction, and retention all move in your favor.
Under Connecticut Public Act 26-68, a small employer (50 or fewer) that offers a CHOICE Arrangement (ICHRA) instead of group coverage can claim a state tax credit of up to $1,000 per covered employee for each of the first two years — dollars a group plan simply can't touch. It stacks right on top of the savings (statewide cap applies).
No — only the name changed. CMS and the SBA renamed the ICHRA to the CHOICE Arrangement on September 3, 2026. The rules, affordability standards, and administration are identical. If your research says "ICHRA," it applies to a CHOICE Arrangement.
Small-group filings average about +15.1% and individual-market filings about +11.2% on a weighted basis for 2027. ConnectiCare Benefits filed the highest individual increase at +16%.
Instead of one group plan, you set a defined monthly contribution and your employees choose individual coverage that fits them. Healthier employees often pick lower-cost options and keep the difference; those who need richer coverage get it. Your cost is capped, and Public Act 26-68's credit stacks on top.
Yes. Under Connecticut Public Act 26-68, an employer with 50 or fewer employees that offers a CHOICE Arrangement (ICHRA) instead of group coverage can claim a state credit of up to $1,000 per covered employee for each of the first two years (a statewide cap applies). It stacks on top of the savings from a CHOICE Arrangement.
Any size. The federal CHOICE Arrangement has no employer-size limit; Connecticut's added tax credit is reserved for smaller employers.
Helping your people afford healthcare can't wait for next year's renewal. Get a free, no-obligation look at your real numbers and the strategy that fits your workforce.