Traditional group health coverage does not fit every workforce, every geography, or every budget.
CHOICE Arrangement (ICHRA) gives brokers, benefits organizations, payroll providers, and strategic partners another way to help employers structure health benefits around individual coverage.
Lirvion provides the administrative platform behind that offering — so you can expand what you bring to clients without building the infrastructure yourself.
Employers come to the table with different pressures. Some are facing aggressive renewals. Some manage distributed or multi-state teams. Some want more predictable benefit spending. Others are simply looking for an alternative to a traditional group plan.
Still works well for many employers.
Creates another option built around individual health coverage and a defined employer allowance.
Help more employers find a benefits structure that matches their workforce instead of forcing every client into the same model.
A stronger benefits offering gives you another path when the standard answer no longer fits.
Adding ICHRA to a benefits practice is not just a sales decision. There is eligibility to manage. Employee classes to define. Enrollment to support. Coverage to verify. Premium activity to track. Documents, notices, reporting, and plan-year changes to coordinate.
Lirvion gives partners an administrative foundation designed around that work.
You bring the employer relationship. Lirvion helps support the infrastructure behind the program.
A difficult renewal should not automatically become a lost account. When traditional coverage becomes harder to justify, brokers need another strategy they can evaluate with the employer. A CHOICE Arrangement (ICHRA) can create that additional path.
Stay part of the conversation when an employer begins looking beyond the traditional group market.
Expand the range of benefit structures you can discuss with clients.
Move from recommendation to administration through a structured platform.
Remain connected to the employer relationship beyond the initial benefits decision.
Payroll, HR, and PEO organizations already sit close to the employer. That proximity creates an opportunity to expand the relationship without taking on every administrative responsibility internally. Lirvion can support the ICHRA administrative layer while partners remain focused on the services they already provide.
Extend the Employer OfferingIntroduce another benefits pathway when clients ask for more flexibility.
Keep Workforce Data RelevantSupport administrative workflows around employee eligibility, classes, and status changes.
Create a More Connected ExperienceBring benefits administration closer to the systems employers already use.
Grow Without Building From ScratchAdd capability without recreating an ICHRA platform internally.
Agencies, benefit firms, and strategic partners can use ICHRA to reach employers that may not fit the traditional group-benefits model. That can include:
Organizations managing employees across markets with different carrier and premium conditions.
Groups looking for a different way to structure health benefit spending.
Companies whose workforce complexity is starting to outgrow a one-size-fits-all benefits strategy.
Organizations that need education, implementation support, and ongoing administration.
Organizations managing employees across markets with different carrier and premium conditions.
Groups looking for a different way to structure health benefit spending.
Companies whose workforce complexity is starting to outgrow a one-size-fits-all benefits strategy.
Organizations that need education, implementation support, and ongoing administration.
A CHOICE Arrangement (ICHRA) offering can expand the value you bring to an employer relationship across multiple stages:
01
Help employers evaluate whether individual coverage fits their workforce and budget.
02
Support employees as they move toward individual coverage.
03
Manage eligibility, employee classes, coverage verification, and plan-year changes.
04
Track premium-related activity and support reconciliation.
05
Keep the program organized after launch instead of treating implementation as the finish line.
CMS is now using CHOICE Arrangement terminology in employer-facing guidance for the benefit model historically known as ICHRA. That means employers and brokers are increasingly going to encounter both terms.
For partners, the practical takeaway is simple: employers may encounter both ICHRA and CHOICE Arrangement terminology when discussing the same individual-coverage benefits model.
The terminology may evolve. The employer need is already here.
Lirvion is designed to support the administrative work behind an ICHRA program so partners can expand their offering without turning their organization into a software company.
Employer Administration — Support the employer across eligibility, classes, documentation, and plan-year changes.
Employee Experience — Help employees move through enrollment and coverage-related workflows.
Premium Administration — Maintain visibility into premium activity, payment status, and reconciliation.
Broker & Partner Support — Create a structured platform experience around the employer relationship.
The result is a broader benefits capability without the burden of recreating the administrative foundation internally.
Not every employer is an ICHRA fit. But some conversations should immediately trigger a closer look.
Sell the problem it solves. Employers do not wake up asking for a new benefits acronym.
That is where the conversation starts. ICHRA and CHOICE Arrangement are the structure behind the answer.
A partner should not have to reinvent the process every time a new employer becomes interested.
Lirvion provides a repeatable administrative framework that can support the employer from initial setup through ongoing plan-year administration.
That gives partners a stronger foundation for growth — one employer relationship at a time.
Adding the offering
Building and using it
Expand what you can offer. Keep more conversations alive. Give employers another path when the traditional model no longer fits.