The ICHRA blog — page 4
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
ICHRA in Maryland 2026: Rural Counties Win, Suburbs Barely
All 24 Maryland counties beat small group with ICHRA in 2026, from 26.4% on the Shore to a marginal 16.4% near DC. See the county data, sourced.
For EmployersICHRA in Dayton, Ohio 2026: Montgomery County 58.3%
Montgomery County's 2026 benchmark runs an estimated 58.3% below small group, about $10,014 per employee a year. See the Dayton data, sourced.
For EmployersICHRA in Cleveland, Ohio 2026: Cuyahoga County 48.6%
Cuyahoga County's 2026 benchmark runs an estimated 48.6% below small group, about $7,414 per employee a year. See the Cleveland data, sourced.
For EmployersICHRA in California 2026: 8 Counties, No Savings
California's individual market has closed the cost gap in the 8 counties we checked. See the 2026 data, the 2027 rate filings, and what employers should do.
EligibilityICHRA for Business Owners: Who Qualifies in 2026
S-corp owners over 2%, partners, and sole proprietors generally can't use their own ICHRA tax-free under IRS rules. See who can, and the 2026 fix.
For EmployersICHRA State Tax Credits 2026: Indiana and Mississippi Pay
Indiana and Mississippi pay small employers up to $400 per employee to offer an ICHRA in 2026. See the rules, the caps, and where our county data agrees.
SetupICHRA Substantiation: The 2026 Proof-of-Coverage Rules
Every ICHRA reimbursement needs proof of coverage or it can become taxable income. See the two federal rules and the 2026 IRS penalty for skipping them.
For EmployersICHRA in South Dakota 2026: Zero Counties Qualify
South Dakota has zero counties where a 2026 ICHRA estimate beats small group. See why, what 2027 rate filings show, and what to do instead.
For EmployersICHRA in New York 2026: NYC Wins, Six Counties Don't
New York's 2026 individual market beats small group in 41 of 62 counties, including all five boroughs. See where it falls short, and why.
For EmployersOpen Enrollment 2027 Is Shorter: An ICHRA Employer Guide
Plan year 2027 open enrollment runs Nov 1 to Dec 15 on HealthCare.gov, 31 days shorter. What ICHRA employers must fix in their notice timeline before then.
For EmployersICHRA in Kansas 2026: Topeka Wins, Wichita Falls Short
Kansas rates rose an estimated 26.6% for 2026. See which of its 105 counties beat small group with an ICHRA estimate, and why Wichita doesn't qualify.
For EmployersICHRA in North Carolina 2026: Mecklenburg Wins, Most Lag
North Carolina's rates rose an estimated 28.6% for 2026. See which of its 100 counties beat small group with an ICHRA estimate, and why most don't.
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