ICHRA savings in Florida
26 Florida counties price individual coverage below small group. Employers there save up to $2,410 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Florida counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Sumter County | $640 | $841 | 23.9% | $2,410 |
| Highlands County | $668 | $777 | 14.1% | $1,312 |
| Baker County | $700 | $798 | 12.3% | $1,178 |
| Lake County | $665 | $757 | 12.1% | $1,101 |
| Okeechobee County | $817 | $924 | 11.6% | $1,283 |
| Bradford County | $693 | $779 | 11% | $1,028 |
| Martin County | $735 | $817 | 10% | $981 |
| Indian River County | $588 | $651 | 9.7% | $757 |
| Hendry County | $804 | $883 | 8.9% | $948 |
| Duval County | $678 | $739 | 8.3% | $734 |
| Osceola County | $694 | $746 | 6.9% | $615 |
| Calhoun County | $683 | $729 | 6.3% | $555 |
Showing top 12 of 26 qualifying Florida counties. Explore them all on the interactive map.
Florida county savings pages
Every Florida county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Sumter County 23.9%
- Highlands County 14.1%
- Okeechobee County 11.6%
The Florida picture
Candor first: most of Florida does not show a meaningful price gap between individual and small-group coverage. In 2026 plan-year data, 26 counties qualify, and just one clears $200 per employee per month — Sumter County, home to The Villages, at an estimated $201 (about 23.9%). Insurers have filed for an average 15.9% individual-market increase for 2027; that filing is background news and has no bearing on these 2026 estimates.
If a broker promises big ICHRA savings across Florida, ask which county they mean. Outside Sumter and a short list of others, employers in Miami, Orlando, Tampa, and Jacksonville generally won't find the individual market underpricing small group in 2026 data. Where Florida employers do adopt ICHRAs, the driver is usually seasonal and distributed workforces — funding coverage for employees who move or live part-year elsewhere — with any estimated savings treated as county-specific and verified before deciding. Companies like yours should check the actual county figure first.
Florida ICHRA FAQs
How much can employers save with an ICHRA in Florida?
Across 26 qualifying Florida counties, the 2026 gap between small-group and individual silver coverage averages 7% — up to $2,410 per employee per year in the strongest county. Figures are plan-year-2026 estimates (lowest-cost silver, age 50, same year both markets), not quotes.
Which Florida county has the biggest ICHRA savings?
Sumter County currently shows the widest 2026 spread in Florida: individual $640/mo vs small group $841/mo — about 23.9% ($2,410/employee/year, estimated).
Does every Florida county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 26 in Florida for plan year 2026. In other counties a savings-driven ICHRA usually is not the right move, and an analysis will say so.
Where does this Florida data come from?
Individual-market premiums come from the CMS Marketplace Public Use Files and small-group benchmarks from Ideon — lowest-cost silver plan, age 50, same county and same plan year (2026) on both sides.
My Florida business isn't near The Villages — does an ICHRA still make financial sense?
It depends on your county, and in much of Florida the answer on pure price is no. Sumter County is the only Florida county with an estimated 2026 gap above $200 per employee per month (about $201, or 23.9%); the other 25 qualifying counties show smaller estimated differences, and most Florida counties show no meaningful gap at all. An ICHRA can still fit for reasons beyond price — fixed budgeting or seasonal, multi-location staff — but run your specific county's numbers rather than assuming a statewide advantage.
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