EP 534 ENCORE: Choice Without Chaos - with Chad Schneider
Published: December 30, 2025
Duration: 24:45
We revisit how employers can control healthcare spend while expanding employee choice through ICRAs, with Chad Schneider of Thatch sharing what works, what breaks, and what’s next. We dig into change management, decision tools, dynamic contributions, and the broker’s evolving role.
• Why ICRAs surged after 2020 and boomed in 2024
• Carrier expansion and a stronger individual market
• The real barrier being change management and fintech
• Decision support that mirrors travel-style shopping
• Dynamic contributions that create equity across markets
• Carve-out classes to manage renewals and strategy
• Common misconceptions among brokers and employers
• Data, APIs...