Open enrollment forces millions of Americans to make high-stakes decisions about their health coverage—ICHRA aims to give them more control, but not without trade-offs. getty

At this moment, we are in the thick of an open enrollment season where sticker shock meets complexity and uncertainty. Where the reality of our less-than-perfect healthcare system – one built for a post-war workforce that has long-since retired – hits us hard as we decide how we will insure ourselves in 2026. Employer-sponsored plans have been the norm, a recruitment perk offered by companies during World War II wage freezes. Now, over 155 million of us are still relying on this system, although the shape of our careers – mobile, hybrid, fragmented — has changed forever. Which brings us to the Individual Covera

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