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.
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.
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.
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.