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.

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hello@remodelhealth.com
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