EP 534 ICHRAs = Choice And Control - With Chad Schneider, Thatch

Healthcare costs keep climbing while employees want plans that actually fit their doctors, budgets, and lives. We tackle that tension head-on with Chad Schneider, head of broker channel at Thatch, and unpack how ICHRAs—individual coverage HRAs—let employers lock in predictable budgets while giving every employee real choice on the individual market.

We start by demystifying ICHRAs and why 2024 became the breakout year: broader carrier participation, stronger individual risk pools, and better technology. Chad breaks down the biggest barriers leaders worry about—change management, compliance, billing across multiple carriers and states—and shares how infrastructure-first platforms handle t...