Becker’s Payer Issues Podcast Why ICHRA Is Gaining Momentum With Employers and Public Entities
Jan 26, 2026
Jack Hooper, CEO and co-founder of Take Command and former federal intelligence officer turned health benefits entrepreneur. He explains how ICHRA gives employers a defined contribution approach, boosts employee plan choice, and drove big cost savings for a county that switched. Discussion covers municipal adoption, interaction with ACA subsidies, and why insurers should pay attention.
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Personal Path Into Health Benefits
- Jack Hooper told how having surprise twin sons and financial worry drew him into healthcare work.
- He described Take Command's evolution from ACA advising to administering ICHRAs for employers.
ICHRA As Defined Contribution For Health
- ICHRA is a defined-contribution alternative that lets employers give employees a monthly allowance to buy individual plans.
- It separates employer contribution design from the employee's choice of plan and advisor.
County Case Study Shows Savings
- Jack highlighted Monongalia County, WV, switching from group coverage to ICHRA and reporting big savings.
- He noted the county expected roughly $700,000 saved and employee premiums falling about 7%.