12 things ICHRA vendors won't tell you. The independent playbook — for employers comparing benefits, employees deciding whether to accept, and brokers running the numbers.
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12 chapters, every one with insider tactics, real numbers, and "what they won't tell you" honesty.
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Three audiences: small/midsize employers (5-500 employees) deciding whether to switch to ICHRA, employees whose employer just announced one, and licensed brokers who want vendor-neutral research to share with clients.
2026 edition. Includes IRS Notice 2026-05, the CHOICE Act status (passed House Dec 2025), the 9.96% affordability threshold, current vendor pricing as of Q2 2026, and state-level changes through April 2026.
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