The ICHRA Exclusive Podcast is back for another episode—and we’re diving straight into the "Hard Market Era" of 2026.

In this episode, we’re joined by Paul Ashley, Vice President and Consultant of Corporate Benefits at NFP, to discuss why the traditional renewal cycle is becoming an unsustainable burden for employers. If you’re an employer waiting for your 2027 renewal to hit your desk, the headlines may not be pretty. But here’s the reality: in a market this "hard," having a viable escape hatch like ICHRA isn't just an option—it’s a necessity.

We dig into what’s keeping NFP “edgy” in this environment, from Captives and MEWAs to Reference-Based Pricing. Paul breaks down why ICHRA is a "multiplier" for 2026 as we head toward a massive million-life milestone. We also explore how carriers like Anthem are evolving, creating separate ICHRA specific plans.

The conversation has shifted from simply seeking a risk solution to mastering Change Management. Moving a population to ICHRA is a 180-degree turn that requires understanding and bi-directional feedback. We discuss the human hurdles of this transition—from the emotional journey of Medicare-eligible employees to the geographic complexities of multi-state populations.

If you’re navigating the "warm-up act" of rising renewals, evaluating alternatives like Association Health Plans, or want a candid look at the rapid adoption of ICHRA, this episode is for you.

Want to keep the conversation going?

Learn more about ICHRA or see how Remodel Health can support your organization by connecting with our team. We’re always happy to answer questions, share insights, and help you navigate what’s next.

• remodelhealth.com
• hello@remodelhealth.com
• ichraacademy.com
• remodelhealth.com/aim2026
  • Use code ICHRAEXCLUSIVE for 25% off registration

Be sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

After a year of major growth, the ICHRA Exclusive Podcast is back—and we’re kicking off Season 2 with an honest conversation about what’s actually happening in ICHRA.

In this episode, we’re joined by Bill Williams, former Oscar Health leader and now Head of Product at Remodel Health, to unpack the realities of 2025. With a **20% rate increase—the toughest ICHRA year in the past five—**the headlines weren’t pretty. But here’s the truth: even a bad year in ICHRA still outperforms a bad year in traditional group health insurance, where employers regularly face 40–60% renewals after a single rough claims cycle.

We dig into why ICHRA continues to be a viable escape hatch for employers, how carriers like Anthem are now naming plans after the model, and why the long-standing “plumbing” issues are finally being fixed. The conversation has shifted—from questioning whether ICHRA works to focusing on how we make it great.

If you’re navigating rising healthcare costs, evaluating alternatives to group plans, or want a candid look at where ICHRA is headed next, this episode is for you.

Want to keep the conversation going?

Learn more about ICHRA or see how Remodel Health can support your organization by connecting with our team. We’re always happy to answer questions, share insights, and help you navigate what’s next.

• remodelhealth.com
• hello@remodelhealth.com
• ichraacademy.com
• remodelhealth.com/aim2026
  • Use code ICHRAEXCLUSIVE for 25% off registration

Be sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

Libby Hart and Vince Sullivan from Capital Blue Cross explore the intricacies of ICHRA, risk adjustment, and reinsurance. They discuss the evolution of ICHRA, its impact on the health insurance landscape, and the demographics of individuals enrolling in ICHRA plans. Vince provides insights into risk adjustment mechanisms and how they affect premiums, while Libby emphasizes the importance of brokers understanding and presenting ICHRA options to clients. The conversation highlights the need for collaboration and knowledge-sharing among brokers, employers, and health insurance providers to navigate the changing landscape effectively.

Want to keep the conversation going?

Learn more about ICHRA or see how Remodel Health can support your organization by connecting with our team. We’re always happy to answer questions, share insights, and help you navigate what’s next.

• remodelhealth.com
• hello@remodelhealth.com
• ichraacademy.com
• remodelhealth.com/aim2026
  • Use code ICHRAEXCLUSIVE for 25% off registration

Be sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.