The traditional group health insurance model is reaching a breaking point. For decades, employers have grappled with skyrocketing premiums and limited flexibility, while employees have felt boxed into "one-size-fits-all" plans that rarely meet their diverse needs.
As the cost of care continues to outpace inflation, businesses are increasingly abandoning the status quo in favor of CHOICE Arrangements (formerly ICHRA). This shift represents a fundamental transformation in the benefits landscape, moving away from employer-managed risk toward a model defined by personalization, cost predictability, and empowered consumer choice.
The following 15 statistics illustrate why this momentum is unstoppable.
The pressing need for change in healthcare
1. 18% average increase in premiums for small and medium-sized businesses in 2026.
2. 61% of U.S. households name the availability and affordability of healthcare as their top concern (opens in new tab), ahead of the economy and inflation.
3. 1 in 3 people are making trade-offs, like skipping meals and utilities, to pay for healthcare (opens in new tab).
4. Employer-sponsored premiums cost a family of four .
