Your small-group plan costs more than individual in 1309 counties
We mapped every US county to show exactly where an Individual Coverage HRA saves employers real money. Ohio businesses save up to $12,121 per employee, per year. Georgia, Indiana and 29 more states have significant savings zones.
ICHRA savings by state
32 states have counties where switching to ICHRA saves employers 20% or more. Open any state for county-level detail.
Georgia
Virginia
How ICHRA saves you money
Three steps. No catch. The math works because individual-market rates are lower than small group in hundreds of counties.
Drop the group plan
Cancel your small-group health insurance. In Ohio, group premiums average around $810/mo per employee.
Set up an ICHRA
Give each employee a tax-free monthly allowance to buy their own ACA marketplace plan. You choose the amount.
Everyone saves
Employees get the same or better coverage at a lower price. You pocket the difference — thousands per year in the right county.
Predictable cost. Real choice. Less admin.
Complete cost control
Set a fixed monthly budget per employee. No surprise renewals, no annual negotiations.
Tax-free for everyone
Contributions are 100% deductible for you and completely tax-free for employees — no FICA.
Attract top talent
Offer benefits that rival large corporations — even a 5-person startup can compete.
ICHRA questions employers ask first
What is an ICHRA and how does it work?
An ICHRA (Individual Coverage Health Reimbursement Arrangement) lets an employer give each employee a fixed, tax-free monthly allowance to buy their own ACA marketplace health plan instead of carrying a small-group policy. The employer sets the budget; employees pick the coverage that fits them. It has been available to businesses of every size since 2020.
Is ICHRA cheaper than small-group health insurance?
It depends entirely on your county. For plan year 2026, 1309 US counties price the individual-market benchmark below the small-group benchmark — in those counties an ICHRA can cost less for the same tier of coverage. In counties where the individual market prices higher, keeping a group plan usually wins. Figures are estimates from CMS and Ideon data, not quotes.
How much can employers save with an ICHRA in 2026?
Across the 1309 qualifying counties, the 2026 gap between small-group and individual benchmark premiums reaches up to $12,121 per employee per year in the strongest county (Morrow County, OH). Savings vary by county, age mix, and plan tier — a free county-level analysis shows your actual range.
How do I find out if my county qualifies for ICHRA savings?
Use the interactive savings map or the 30-second savings estimator on this site — both compare your county’s lowest-cost individual and small-group premiums for the same plan year, with no contact information required. If your county does not qualify, the analysis says so.
Ready to see your savings?
Search 1309+ qualifying US counties to see exactly how much your business can save by switching from small group to ICHRA.
Free analysis • No commitment • 2026 verified data
See what your company could save
County-specific 2026 numbers, about 30 seconds, no contact info needed.
How many employees do you have?
See What My Company Could Save →30-second estimate. No contact info needed.