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.
Virginia rates are set to rise 16.9% 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 Virginia 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 Virginia 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 Virginia team the flexibility to do what's best for them — and watch cost, satisfaction, and retention all move in your favor.
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 +10.7% and individual-market filings about +16.9% on a weighted basis for 2027. Sentara Health Plans filed the highest individual increase at +22.9%. Cigna is exiting the individual market for 2027.
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.
Any size. The federal CHOICE Arrangement has no employer-size limit.
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.