ICHRA or parent's health insurance better?

[Anonymous]

Our older AC was able to stay on our health insurance to age 26 and have insurance through his employer, which worked well. Our younger child was just offered a job that uses an ICHRA. She asked for help picking insurance as she has not done that before. I was not familiar with ICHRAs but apparently one cannot have that insurance combined with a parent's insurance plan. We are very lucky to have two health insurance plans as we also have tricare (which has ended for the kids) so it is harder to estimate the actual costs with just one insurance. Does anyone have advice about using ICHRAs and how they compare with staying on the parent's traditional plan?

[Anonymous]

I think often employees are funneled into the ACA marketplace. It’s a fixed cost for employers so often works well for them.