ICHRA Exclusive

Hosted by Remodel Health

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Latest episode

May 2026

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About the show

Welcome to your ultimate guide to understanding the complex world of health insurance! ICHRA Exclusive will tell you everything you need to know about the basics of Individual Coverage Health Reimbursement Arrangements, how they work, and how to get started.

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41 recent

May 6, 2026Episode 544 min

Smarter Benefits: Pairing ICHRA with Direct Primary Care

After a period of rapid evolution in healthcare strategy, the ICHRA Exclusive Podcast returns with a conversation focused on what employers, brokers, and benefits leaders can do right now to improve access while managing rising costs.In this episode, we’re joined by Brian Garcia, Vice President of Strategic Alliances at Nexus Health Connect and host of The Nexus Connection Podcast, to explore a more connected approach to healthcare. As traditional models face increasing pressure, the focus is shifting toward practical, scalable solutions.Brian breaks down what Direct Primary Care is and how it differs from the traditional system, along with how pairing DPC with an ICHRA is becoming a more viable strategy, especially following recent legislative changes. We also explore where DPC makes financial sense, where it may not, and what that means for employers evaluating their options.The conversation is moving from simply adopting ICHRA to optimizing it. Integrating models like Direct Primary Care is emerging as a key way to deliver more accessible and personalized care while improving outcomes and controlling costs.If you are navigating rising healthcare costs or rethinking your benefits strategy, this episode offers a clear and practical look at what is possible and what comes next.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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

April 8, 2026Episode 430 min

The Missing Piece in ICHRA: Financial Wellness

The ICHRA Exclusive Podcast is back with another episode—and we’re diving into a critical, and often overlooked, piece of the health benefits conversation: financial wellness.In this episode, we’re joined by Molly Fohrer, Chief Operating Officer at Your Money Line, to explore the real-world financial challenges employees are facing—and how those challenges show up in healthcare decisions. From budgeting and debt to navigating unexpected medical costs, Molly shares how Your Money Line is helping individuals take control of their financial lives in a way that drives better outcomes for both employees and employers.We unpack the types of problems their clients bring to the table and how their team is delivering tangible savings. As ICHRA continues to evolve, this conversation sheds light on how financial guidance can act as a powerful complement to the model, helping employees make more confident and informed choices.We also discuss what drew Your Money Line to sponsor AIM 2026: Aligning ICHRA Minds, and why being part of this moment in the ICHRA movement matters. To close, Molly shares her perspective on what needs to change over the next five years to help ICHRA reach its full potential.If you’re thinking beyond plan design, navigating rising costs, or looking to better support employees in the decisions that matter most, this episode is for you.Your Money Line offers a free course called Cha-Ching — where you can become a certified Workplace Financial Wellness Advocate. Enroll at yourmoneyline.com/cha-ching, and you'll even earn free SHRM or HRCI credits when you complete it.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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

March 19, 2026Episode 341 min

From Strategy to Scale: Gallagher’s Secret Sauce for ICHRA in Healthcare

The ICHRA Exclusive Podcast is back with another must-listen episode—and this time, we’re spotlighting one of the leading voices shaping the future of ICHRA.Joining us is Andrew Loehr, Area Senior Vice President of Consulting at Gallagher, who has been at the forefront of the Benefits and HR landscape. In this episode, Andrew pulls back the curtain on Gallagher Indiana’s “secret sauce” to success, while offering a candid look at the realities large employers face in today’s rapidly evolving healthcare environment.As ICHRA continues to mature, we dive into the latest legislative developments impacting the space and what they mean for employers considering this strategy. Andrew also shares what drew him to focus on ICHRA within the healthcare industry—and how that focus is playing out in real-world applications.We explore the biggest hurdles large employers encounter when transitioning to ICHRA, from scale and complexity to change management and employee adoption. Plus, Andrew gives his perspective on what truly sets Gallagher Indiana apart in a competitive and ever-changing market.Looking ahead, we close with Andrew’s bold predictions for the next five years—and the one change he believes could unlock the next phase of growth and maturity in the ICHRA landscape.If you’re a large employer evaluating ICHRA, navigating increasing healthcare costs, or looking for insight from a proven industry leader, 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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

February 13, 2026Episode 238 min

Beyond the Risk Solution: Why ICHRA is Now a Necessity, Not an Option

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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

January 7, 2026Episode 130 min

The State of ICHRA in 2025: Rates, Reality, and What’s Next

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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

November 27, 2024Episode 3534 min

Risk Adjustment and ICHRA with Vince Sullivan and Libby Hart

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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

November 20, 2024Episode 3430 min

Consumer-Driven Benefits: Empowering Brokers with Employee Insights and Modern Solutions with Jake Cleer

Jake Cleer, VP of Sales at New Benefits, shares about the evolving landscape of employee benefits. They discuss the powerful consumer signals that employees are sending to employers, the importance of brokers in interpreting these signals, and the growing demand for non-insured benefits such as pet care, mental health support, and fertility services. The conversation also covers best practices for brokers, payment structures for benefits, and the significance of offering a diverse range of options to meet employee needs.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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

November 6, 2024Episode 3336 min

How Consumer Interest and Market Demand is Fueling Growth in ICHRA with Katherine Torres and Justin Clements

In this episode, we focus on the growing interest in Individual Coverage Health Reimbursement Arrangements (ICHRA) and how it's impacting the market. We'll hear from special guests Katherine Torres and Justin Clements as they explore the historical context of ICHRA, the impact of consumer demand on health benefits, and the advantages of ICHRA for both employers and employees. The conversation also addresses common misconceptions about ICHRA and emphasizes the importance of brokers in guiding clients through the evolving landscape of health benefits. The episode concludes with insights on the future of health benefits and the proactive steps brokers can take to support their clients.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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

October 30, 2024Episode 3234 min

ICHRA Through a Broker’s Lens: Insights with Angela Platta

Angela Platta, a seasoned broker, explores the intricacies of Individual Coverage Health Reimbursement Arrangements (ICHRA) from a broker's perspective. They discuss the implementation process, common misconceptions, pain points for brokers and employers, and strategies for identifying suitable employers for ICHRA. Angela emphasizes the importance of education and communication in successfully introducing ICHRA to clients and the evolving landscape of health benefits in response to changing workforce needs. The conversation concludes with insights on compensation structures for brokers and the future of ICHRA in the healthcare market.Are you a licensed health insurance broker? Boost your business and become ICHRA Certified at ichraacademy.com!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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.

October 16, 2024Episode 3135 min

Consumer-Centric Health Insurance: Innovations with Louis DeStefano

In this episode, John Staub and Louis DeStefano of Oscar Health explore how health insurance is evolving to put consumers at the center of the experience. Louis sheds light on the critical role brokers play in navigating these changes, highlighting the innovative ways Oscar Health is driving transparency, flexibility, and personalized care. Whether you're a health insurance broker or someone interested in the future of healthcare, this episode will offer valuable insights into how the industry is transforming to better meet consumer needs.Visit ichraacademy.com to become ICHRA Certified!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.comhello@remodelhealth.comichraacademy.comBe sure to follow us for more ICHRA conversations and upcoming episodes of the ICHRA Exclusive Podcast.