ICHRA
ICHRA is a strategy, not a plan. Paragon helps brokers evaluate the fit and place the case - so employers can control cost without walking away from offering coverage.
Overview
A Flexible Approach to Group Medical
ICHRA gives employers a defined-contribution alternative to traditional group coverage while keeping the broker at the center of the strategy. Paragon helps brokers evaluate the fit, model employer contributions, navigate affordability and employee class requirements, and coordinate the platform and implementation.
ICHRA isn't a plan you place. It's a strategy you build.
Carrier Agnostic
Employees shop the individual market, so the case isn't tied to one carrier's network, rate action, or renewal cycle. We bring the platform partners and run the placement.
Alternative to Traditional Group
No participation requirements, no group underwriting, no one-plan-fits-all. ICHRA opens up cases that traditional group can't reach - two-life groups, multi-state remote teams, 1099-heavy rosters, and high-turnover industries.
Fixed Employer Cost
The employer sets a defined monthly contribution by class and the budget holds - no renewal swings tied to one bad claim year, no surprise increases driven by census changes.
