The ICHRA blog — page 7
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
Small Group Participation Requirements: 2026 Rules
A carrier can deny your small-group renewal if too few employees enroll. See the participation math, the 75% rule, and where ICHRA has none.
ICHRA BasicsICHRA and HSA in 2026: The New IRS Bronze Rule
IRS Notice 2026-5 made ACA bronze and catastrophic plans HSA-eligible for 2026. See how a premium-only ICHRA can pair with an HSA, and where it cannot.
For EmployersICHRA in Savannah, Georgia 2026: Chatham County 29.2%
Chatham County's 2026 individual-market benchmark runs an estimated 29.2% below small group, about $1,984 per employee a year. See the Savannah data, sourced.
For EmployersICHRA in Pennsylvania 2026: 2027 Rates Already Up 17%
Pennsylvania's 2027 individual-market rates are already filed up 17.1%, on top of a 21.5% 2026 hike. See where ICHRA still saves, county by county.
ComparisonICHRA vs QSEHRA in 2026: Which HRA Fits Your Business
QSEHRA caps 2026 reimbursements at $6,450 self-only and $13,100 family; ICHRA has no federal cap. See the numbers and which HRA fits your business.
For EmployersICHRA in Cincinnati, Ohio 2026: Hamilton County 61.7%
Hamilton County's 2026 individual-market benchmark runs an estimated 61.7% below small group, ahead of Columbus. See the Cincinnati-area county data, sourced.
For EmployersICHRA in Columbus, Ohio 2026: All 88 Counties Qualify
Ohio small-group renewals rose 16% for 2026, but all 88 counties qualify for ICHRA savings. See Franklin County estimated 59.8% spread, sourced.
For EmployersICHRA in Florida 2026: Why Zero Counties Qualify
Florida individual premiums now cost more than small group statewide, so zero counties qualify for ICHRA savings in 2026. See the FLOIR data behind the flip.
For EmployersICHRA in Texas 2026: Why Only Two Counties Qualify
Texas has 16 ACA insurers, more than any state, yet only 2 of 254 counties beat small group for ICHRA in 2026. See why, and what employers should do.
For EmployersICHRA in Georgia 2026: 130 Counties Where It Wins
ICHRA beats small-group coverage in 130 Georgia counties for 2026, covering 4.5 million people, though not yet in metro Atlanta. See the county data and why.
For EmployersACA Subsidy Cliff 2026: What Employers Must Know
Enhanced ACA subsidies expired, and the 400% FPL cliff is back for 2026. Here is what small employers need to know about premiums, income limits and ICHRA.
ComparisonICHRA vs Small Group 2026: The Employer Decision
A step-by-step framework for employers weighing an ICHRA against renewing small-group coverage — what drives the answer and the traps that sink a rollout.
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