
Most workers are unprepared to shop for individual plans under ICHRAs, highlighting gaps in decision tools, guidance, and consumer protections.

Matthew McGough, MSPH, is a policy analyst at KFF for the Program on the ACA and the Peterson-KFF Health System Tracker, where he conducts policy research on the Affordable Care Act and its effects on private insurers and enrollees, as well as analyses on health spending, quality of care, access, and affordability.

Most workers are unprepared to shop for individual plans under ICHRAs, highlighting gaps in decision tools, guidance, and consumer protections.

ICHRAs could either stabilize or destabilize ACA risk pools, with adoption patterns raising concerns about access, equity, and coverage for sicker workers.

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