Commercial Group, ICHRA, and Alternative Health Plans Study
Available: June 30, 2025
Available: June 30, 2025
Individual Coverage Health Reimbursement Arrangements (ICHRA) had a slow start in the COVID years of 2020 and 2021. Nevertheless, some estimates show the program accounts for somewhere between one and two million of today’s ACA member total. And recently, others claim that Alternative Health Products (such as Coupe and Surest) have secured more than a million Group enrollees.
As employers struggle with unpredictable healthcare costs, both non-traditional solutions appear poised to disrupt the long-standing Commercial Group market. Deft’s Commercial Group, ICHRA, and Alternative Health Plans Study illuminates how current commercial group members feel about the potential move to the ACA via ICHRA, and the market potential of copay-only insurance plans.
Satisfied After the Move
After moving to the ACA through ICHRA (see chart), six times as many former Group members feel “more satisfied” (45%) with their coverage than the total who feel “less satisfied” (7%). And 95% indicate they are now as satisfied or more satisfied with their coverage after they moved from Group to ACA through ICHRA. Similarly, a majority indicate the move has gone “better than expected.”