Take Command | Information about QSEHRA and ICHRA

Three things happened between May and August of 2026 that changed what advisors can say with confidence about the individual market.

Group health insurance was designed for a workforce that shows up full time, at one location, on a schedule that holds steady from quarter to quarter. Nonprofits, restaurants, hotels, and retailers rarely st...

Employers considering an ICHRA often want to know whether it genuinely works for both sides of the table, or whether it solves one group's problem by creating a new one for the other.

Benefits consultants are increasingly being asked to help employers navigate rising healthcare costs, changing workforce expectations and a growing demand for greater employee choice. Individual Coverage Health Reimbursement Arrangements, or ICHRAs, can a...

For eighty years, group health insurance was the default. It was the expected move for employers and the only real option for employees, so it went unquestioned. Premiums climbed, plans grew more confusing, and the model stayed the same anyway.