Noah Tong
December 17, 2025
Some very big health insurance companies and a bevy of startups are striving to win over employers vexed by rising health benefit costs with new plan designs.
Alternative health plans such as variable copayment plans that favor certain in-network providers and individual coverage health reimbursement arrangements, better known as ICHRAs, may appeal to businesses that expect healthcare costs to continue accelerating and are reconsidering their employee benefits. A significant share of employers has adopted these models already.
