New legislation expanding Individual Coverage Health Reimbursement Arrangements (ICHRAs) aims to increase employer-sponsored health insurance flexibility, reduce costs, and enhance consumer choice in the U.S. market.

Extensive insurer claim denials and administrative hurdles impose a substantial time tax on U.S. healthcare consumers, affecting productivity and trust in health systems. Employer accountability and regulatory gaps remain critical issues.

Explore how InsurTech innovations like dynamic benefit plans, reinsurance advancements, and Health Reimbursement Arrangements (ICHRAs) are transforming the U.S. health insurance industry to improve cost management and patient-centered care.