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Healthcare
5 min read

2025 Individual Health Insurance Plans are Out!

Written by
Stacy Edgar
Published on
October 25, 2024
Est read time
5 min read

This past week, Center for Medicare and Medicaid Services (CMS) launched the “Window Shopping” period for Healthcare.gov. What does this mean?

Consumers can now preview 2025 Health Insurance Plans by logging onto their Healthcare.gov account.

Every year, CMS also releases "Public Use Files" (PUF) to the public that highlights health coverage trends, utilization, and outcomes. You can access this information via the links below.

So, what’s new for 2025? Overall, carriers are expanding their presence in the individual markets. Most states now have at least 3 insurers offering plans in the individual market. This means more choice for employees receiving an ICHRA from their employer.

County by County Year 2025 Insurer Participation (Source: CMS)

A handful of carriers have introduced ICHRA-specific health plans for 2025. How do these ICHRA-specific health plans differ from other offerings? Candidly, in our opinion, they don’t. The provider networks and plan benefits are fairly similar to their "non-ICHRA" counterparts. But we are excited to see carriers embrace ICHRA and think this is a step in the right direction. Ample opportunities exist to design and release specialized health plans for the ICHRA market.

We encourage everyone to dive into this wealth of information. Our team at Venteur is excited to engage with you to improve healthcare accessibility and understanding through innovation and data.

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