Get your copy of the 2026 Ohio ICHRA Landscape Report

Remodel Health partnered with Oscar Health to examine Ohio's ICHRA landscape, evaluating trends and current realities to equip consultants and employers with valuable insights on the state's emerging ICHRA opportunities.

While traditional group health insurance has been a mainstay for employers and their benefits consultants for decades, rising premiums and rigid structures have forced many to look for alternatives. Since 2020, the individual coverage health reimbursement arrangement (ICHRA) has allowed employers to lock in predictable costs and exit the group health insurance business.

With ICHRA, organizations of any size can offer a defined contribution for their employees to buy individual health insurance plans. This empowers employees to choose health coverage that fits how and when they get care.

Thanks to the flexible and personalized nature of ICHRA, coupled with cost savings and budget predictability for employers, many organizations are turning to this arrangement. The HRA Council reports that ICHRA adoption grew by 21% from 2024 to 2025, with even higher growth adoption (34%) among applicable large employers (ALEs).

Ohio is no exception to this growth. Ohio is a strong-fit market with accelerating ICHRA adoption and clear carrier and network patterns that broker consultants can use to solve their clients’ biggest challenges.

Remodel Health is the most trusted and operationally reliable ICHRA partner for large employers. We offer the most complete ICHRA service model in the industry, combining intuitive technology with expert, personalized support. Since 2015, we’ve helped employers across the country transition to modern, flexible health benefits. We partner with brokers to bring this smarter group funding solution to life, delivering a streamlined experience for both benefits administrators and employees.

From benefit design to renewal, we walk customers through every step of the ICHRA process, helping them navigate each stage with clarity and confidence. Whether you’re replacing a group plan or rethinking your benefits strategy, Remodel Health makes it simple, scalable, and built to last.

Oscar Health, Inc. (“Oscar”) is a leading healthcare technology company built around a full stack technology platform and a relentless focus on serving our members. We have been challenging the status quo in the healthcare system since our founding in 2012, and are dedicated to making a healthier life accessible and affordable for all. Oscar offers Individual & Family plans and health technology solutions that power the healthcare industry through +Oscar. Our technology drives superior experiences, deep engagement, and high-value clinical care, earning us the trust of approximately 2.0
million members, as of December 31, 2025.