[
  {
    "slug": "ichra-choice-arrangements-cms-2026",
    "section": "news",
    "category": "Federal policy",
    "title": "CMS adopts the CHOICE name for ICHRA",
    "description": "What the September CHOICE announcement changes in public guidance, and why employers should still check the underlying ICHRA rules.",
    "event_date": "2026-09-03",
    "event_label": "Agency announcement: September 3, 2026",
    "source_ids": [
      "SBA-CHOICE",
      "CMS-CHOICE",
      "CMS-TPA",
      "IRS-RULE"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/news/ichra-choice-arrangements-cms-2026/",
    "body_file": "content/articles/ichra-choice-arrangements-cms-2026.html",
    "evidence_type": "Sourced reporting"
  },
  {
    "slug": "cigna-individual-family-plans-2027",
    "section": "news",
    "category": "Carrier availability",
    "title": "Cigna will stop offering individual and family medical plans for 2027",
    "description": "Cigna\u2019s current shopping notice points to a 2027 medical-plan exit. What ICHRA employers and employees should verify before renewal.",
    "event_date": null,
    "event_label": "2027 coverage notice; checked September 11, 2026",
    "source_ids": [
      "CIGNA-2027",
      "GOV-EMPLOYEE",
      "CMS-STAY-2026"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/news/cigna-individual-family-plans-2027/",
    "body_file": "content/articles/cigna-individual-family-plans-2027.html",
    "evidence_type": "Sourced reporting"
  },
  {
    "slug": "zorro-ori-ai-benefits-navigator-2026",
    "section": "news",
    "category": "Provider technology",
    "title": "Zorro announces Ori, with a broader rollout planned for October",
    "description": "The August announcement introduces an AI benefits navigator and expanded concierge support. Availability and outcomes still need separate verification.",
    "event_date": "2026-08-19",
    "event_label": "Company announcement: August 19, 2026",
    "source_ids": [
      "ZORRO-ORI",
      "GOV-EMPLOYEE"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/news/zorro-ori-ai-benefits-navigator-2026/",
    "body_file": "content/articles/zorro-ori-ai-benefits-navigator-2026.html",
    "evidence_type": "Sourced reporting"
  },
  {
    "slug": "hra-council-2026-report-release",
    "section": "news",
    "category": "Research release",
    "title": "HRA Council releases its 2026 adoption report",
    "description": "The August report expands the evidence available on HRA adoption. Its changing contributor base is essential to interpreting growth.",
    "event_date": "2026-08-12",
    "event_label": "Report released: August 12, 2026",
    "source_ids": [
      "HRAC-2026-RELEASE",
      "HRAC-2026",
      "HRAC-2026-REPORT",
      "CMS-2026"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/news/hra-council-2026-report-release/",
    "body_file": "content/articles/hra-council-2026-report-release.html",
    "evidence_type": "Sourced reporting"
  },
  {
    "slug": "cms-2027-rule-court-stay",
    "section": "news",
    "category": "Marketplace policy",
    "title": "CMS revises 2027 Marketplace instructions after a court stay",
    "description": "August guidance limits parts of the earlier 2027 rule announcement and confirms a federal enrollment window ending January 15.",
    "event_date": "2026-08-04",
    "event_label": "Updated CMS statement: August 4, 2026",
    "source_ids": [
      "CMS-STAY-2026",
      "CMS-2027-RULE",
      "CMS-GUIDANCE",
      "GOV-ICHRA"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/news/cms-2027-rule-court-stay/",
    "body_file": "content/articles/cms-2027-rule-court-stay.html",
    "evidence_type": "Sourced reporting"
  },
  {
    "slug": "justworks-thatch-ichra-partnership-2026",
    "section": "news",
    "category": "Provider distribution",
    "title": "Justworks adds ICHRA through a Thatch partnership",
    "description": "The July launch brings ICHRA into an existing small-business platform. Buyers still need to establish service ownership and total cost.",
    "event_date": "2026-07-28",
    "event_label": "Partnership announced: July 28, 2026",
    "source_ids": [
      "JUSTWORKS-THATCH",
      "GOV-ICHRA"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/news/justworks-thatch-ichra-partnership-2026/",
    "body_file": "content/articles/justworks-thatch-ichra-partnership-2026.html",
    "evidence_type": "Sourced reporting"
  },
  {
    "slug": "ichra-adoption-measurement-2026",
    "section": "research",
    "category": "Market measurement",
    "title": "How large is the ICHRA market? Read the 2026 numbers correctly",
    "description": "A comparison of contributed employer records, covered-life estimates, HealthSherpa channel growth and federal Marketplace selections.",
    "event_date": null,
    "event_label": "Evidence: January snapshot and 2026 mid-year reporting",
    "source_ids": [
      "HRAC-2026-REPORT",
      "HS-MIDYEAR-2026",
      "CMS-2026",
      "CMS-EFFECTUATED"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/ichra-adoption-measurement-2026/",
    "body_file": "content/articles/ichra-adoption-measurement-2026.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "employer-ichra-survey-2026",
    "section": "research",
    "category": "Employer sentiment",
    "title": "Employers are evaluating ICHRA. That is different from adopting it.",
    "description": "What the 2026 EBRI\u2013Morgan Health employer survey measures, who answered, and why expressed interest should not become a sales forecast.",
    "event_date": "2026-07-28",
    "event_label": "Survey released July 28; fieldwork March 19\u2013May 5, 2026",
    "source_ids": [
      "EBRI-2026",
      "EBRI-HUB",
      "MORGAN-2026",
      "GOV-ICHRA"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/employer-ichra-survey-2026/",
    "body_file": "content/articles/employer-ichra-survey-2026.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "hra-contribution-data-2026",
    "section": "research",
    "category": "Contribution analysis",
    "title": "What the 2026 HRA contribution figures mean for an employer budget",
    "description": "The HRA Council reports allowance and premium medians. Here is how to interpret the unit, distribution and limits before using them in a benefits budget.",
    "event_date": "2026-08-12",
    "event_label": "Source report released August 12, 2026",
    "source_ids": [
      "HRAC-2026-REPORT",
      "IRS-2027",
      "GOV-ICHRA",
      "CMS-PREMIUM-DATA"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/hra-contribution-data-2026/",
    "body_file": "content/articles/hra-contribution-data-2026.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "ichra-state-policy-review-2026",
    "section": "research",
    "category": "State policy",
    "title": "State ICHRA policy in 2026: incentives, amendments and proposals",
    "description": "A primary-source review of Mississippi, Indiana, Florida and Texas, with enacted benefits kept separate from proposals and claim availability.",
    "event_date": null,
    "event_label": "Selected state records checked September 11, 2026",
    "source_ids": [
      "MS-DOR-2026",
      "MS-LEG-2026",
      "IN-DOR-2026",
      "FL-HB141",
      "TX-SB1949",
      "GOV-ICHRA"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/ichra-state-policy-review-2026/",
    "body_file": "content/articles/ichra-state-policy-review-2026.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "ichra-federal-policy-watch-2026",
    "section": "research",
    "category": "Federal policy watch",
    "title": "ICHRA policy watch: distinguish agency action from legislation",
    "description": "A September review of CHOICE terminology, current guidance, H.R. 5498 and the introduced ICHRA Permanency Act.",
    "event_date": null,
    "event_label": "Primary records through September 8; reviewed September 11, 2026",
    "source_ids": [
      "SBA-CHOICE",
      "CMS-CHOICE",
      "CONGRESS-CALENDAR",
      "HR6708-INTRO",
      "IRS-RULE",
      "CMS-STAY-2026"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/ichra-federal-policy-watch-2026/",
    "body_file": "content/articles/ichra-federal-policy-watch-2026.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "ichra-hsa-tax-credit-changes-2026",
    "section": "research",
    "category": "Employee tax and coverage",
    "title": "ICHRA in 2026: HSA eligibility and tax-credit changes employees need to understand",
    "description": "New HSA guidance and the removal of excess advance-credit repayment caps change the questions employees should ask about their coverage.",
    "event_date": null,
    "event_label": "2026 rules and guidance; reviewed September 11, 2026",
    "source_ids": [
      "IRS-HSA-2026",
      "IRS-PTC",
      "GOV-EMPLOYEE",
      "IRS-2026"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/ichra-hsa-tax-credit-changes-2026/",
    "body_file": "content/articles/ichra-hsa-tax-credit-changes-2026.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "ichra-2027-planning-outlook",
    "section": "research",
    "category": "2027 outlook",
    "title": "The 2027 ICHRA planning outlook: what is known and what still needs a local answer",
    "description": "Connect affordability, enrollment timing, carrier availability and evidence quality before designing next year\u2019s ICHRA.",
    "event_date": null,
    "event_label": "Planning evidence reviewed September 11, 2026",
    "source_ids": [
      "IRS-2027",
      "CMS-STAY-2026",
      "CIGNA-2027",
      "CMS-PREMIUM-DATA",
      "GOV-ICHRA",
      "IRS-PTC"
    ],
    "published_at": "2026-09-11",
    "reviewed_at": "2026-09-11",
    "path": "/research/ichra-2027-planning-outlook/",
    "body_file": "content/articles/ichra-2027-planning-outlook.html",
    "evidence_type": "Analysis of external evidence"
  },
  {
    "slug": "ichra-total-cost",
    "section": "guides",
    "category": "Employer budgets",
    "title": "What Does ICHRA Actually Cost?",
    "description": "The expenses beyond the employer contribution, with separate employer and employee budgets.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "GOV-ICHRA",
      "HG-COSTS"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/ichra-total-cost/",
    "body_file": "content/articles/ichra-total-cost.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "keep-doctor-with-ichra",
    "section": "guides",
    "category": "Employee decisions",
    "title": "Can I Keep My Doctor With ICHRA?",
    "description": "Check the exact plan, network and prescriptions before choosing coverage.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "HG-NETWORK",
      "HG-DRUGS"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/keep-doctor-with-ichra/",
    "body_file": "content/articles/keep-doctor-with-ichra.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "when-group-health-may-be-better",
    "section": "guides",
    "category": "Benefits strategy",
    "title": "When Keeping Group Health Insurance May Be the Better Decision",
    "description": "A balanced framework for deciding when to stay with group coverage.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "GOV-ICHRA"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/when-group-health-may-be-better/",
    "body_file": "content/articles/when-group-health-may-be-better.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "ichra-renewal-evaluation",
    "section": "guides",
    "category": "Renewal decisions",
    "title": "Your Health Plan Renewal Increased. How Should You Evaluate ICHRA?",
    "description": "Build a fair comparison of group renewal, revised group coverage and ICHRA.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "GOV-ICHRA"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/ichra-renewal-evaluation/",
    "body_file": "content/articles/ichra-renewal-evaluation.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "same-allowance-different-experiences",
    "section": "guides",
    "category": "Illustrative analysis",
    "title": "The Same ICHRA Allowance, Three Different Employee Experiences",
    "description": "Fictional scenarios separate allowance ceilings, reimbursements and remaining premiums.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "GOV-ICHRA",
      "HG-COSTS"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/same-allowance-different-experiences/",
    "body_file": "content/articles/same-allowance-different-experiences.html",
    "evidence_type": "Fictional worked examples"
  },
  {
    "slug": "compare-ichra-provider-quotes",
    "section": "guides",
    "category": "Provider diligence",
    "title": "How to Compare Three ICHRA Provider Quotes Fairly",
    "description": "Normalize billing units, minimums, fees and service scope before choosing an administrator.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "PRICE-PK",
      "PRICE-TH"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/compare-ichra-provider-quotes/",
    "body_file": "content/articles/compare-ichra-provider-quotes.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "ichra-coverage-activation",
    "section": "guides",
    "category": "Enrollment operations",
    "title": "What Happens Between Choosing a Plan and Actually Having Coverage?",
    "description": "Track selection, required payment and active coverage as separate milestones.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "HG-ENROLL"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/ichra-coverage-activation/",
    "body_file": "content/articles/ichra-coverage-activation.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "first-ichra-renewal",
    "section": "guides",
    "category": "Renewal operations",
    "title": "The First ICHRA Renewal: What Employers Should Measure",
    "description": "A practical scorecard for spending, participation, coverage activation and employee feedback.",
    "event_date": null,
    "event_label": "Practical guidance \u00b7 September 2026",
    "source_ids": [
      "HG-RENEW"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/guides/first-ichra-renewal/",
    "body_file": "content/articles/first-ichra-renewal.html",
    "evidence_type": "Sourced editorial guidance"
  },
  {
    "slug": "provider-pricing-transparency-2026",
    "section": "research",
    "category": "Original public-source audit",
    "title": "ICHRA Provider Pricing Transparency Report: September 2026",
    "description": "What six provider brands disclose about administration fees, and what still requires a written quote.",
    "event_date": null,
    "event_label": "Public pages checked September 12, 2026",
    "source_ids": [
      "PRICE-PK",
      "PRICE-TH",
      "PRICE-RH",
      "PRICE-SAV",
      "PRICE-SC",
      "PRICE-TC-2023"
    ],
    "published_at": "2026-09-12",
    "reviewed_at": "2026-09-12",
    "path": "/research/provider-pricing-transparency-2026/",
    "body_file": "content/articles/provider-pricing-transparency-2026.html",
    "evidence_type": "Original public-source audit"
  }
]