The ICHRA blog — page 6
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
ICHRA in Indiana 2026: Indy Wins, Fort Wayne Doesn't
Indiana's 2027 rate filings are in. See which of Indiana's 92 counties beat small group with an ICHRA for 2026, and why Fort Wayne is not one.
For EmployersICHRA in Colorado 2026: Mountains Win, Denver Barely
Colorado's 2026 individual-market rates beat small group in every county, but the win runs from 33.7% in the mountains to under 1% in Denver. See the data.
For EmployersICHRA in Washington 2026: Tacoma Wins, Seattle Loses
Washington's insurers filed 2027 rates up 22.4%. See which of the state's 21 qualifying counties beat small group, and why Seattle isn't one.
ICHRA BasicsICHRA Employee Classes 2026: The 11 Types, Explained
ICHRA lets you split your team into 11 permitted classes, each with its own budget. See the minimum-size rule, the 3:1 age cap, and a real county example.
For EmployersICHRA Affordability Jumps to 10.22% for 2027
The IRS set the 2027 ICHRA affordability percentage at 10.22%, the highest on record. See the math and how to reset your contribution before renewal.
For EmployersICHRA Compliance: The 2026 Deadlines Employers Miss
An ICHRA means five federal deadlines across the IRS, DOL, and CMS. See the 2026 dates, penalties, and exemptions, every figure sourced this year.
For EmployersICHRA in Virginia 2026: Richmond Wins, Fairfax Loses
Virginia small-group rates rose 11.2% for 2026. See which of Virginia's 133 counties and cities an ICHRA estimate beats small group, and which do not.
For EmployersICHRA for First-Time Benefits: A 2026 Cost Guide
How much a 5 to 50 employee business actually pays to offer health benefits for the first time with an ICHRA in 2026, using IRS, KFF, and county-level data.
ICHRA BasicsICHRA and the ACA Mandate: The 50-Employee Rule
Cross 50 full-time employees and the ACA employer mandate applies. See the 2026 IRS penalty math, the FTE count rule, and how ICHRA meets it at any headcount.
For EmployersSmall-Group Premiums Jump 14% in 2027: What to Do
Insurers requested a median 14% small-group rate hike for 2027. See why, the IRS affordability rule, and where ICHRA estimates save more in Kentucky.
ComparisonICHRA vs Level-Funded 2026: Who Carries the Risk
Level-funded plans promise predictable costs, but claims experience still drives your renewal. See how ICHRA compares for 2026, with real numbers.
For EmployersICHRA for Remote Teams in 2026: The Multi-State Fix
A remote team across six states gets six different ICHRA outcomes in 2026. See where it beats small group, county by county, and where it does not.
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