ICHRA savings in Highlands County, FL
In Highlands County, individual silver coverage benchmarks at $668/mo versus $777/mo for small group — a gap of about $109 per employee per month, or $1,312 a year.
Last updated: August 17, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets. Estimates, not quotes.
What the gap means at your headcount
Benchmark gap × employees × 12 months. Illustrations only — your contribution design sets the real number.
| Employees | Monthly benchmark gap | Estimated annual gap |
|---|---|---|
| 10 | $1,093 | $13,117 |
| 25 | $2,733 | $32,793 |
| 50 | $5,466 | $65,586 |
| 100 | $10,931 | $131,172 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Highlands County vs the Florida average
| Highlands County | Florida qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $109 | $56 |
| Savings vs small group | 14.1% | 7% |
Highlands County runs $53/month ahead of the typical qualifying Florida county — one of the stronger local cases for an ICHRA in the state. See how the whole state stacks up on the Florida savings page or the interactive map.
Nearby Florida counties
How Highlands County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Sumter County | $640 | $841 | 23.9% | $2,410 |
| Okeechobee County | $817 | $924 | 11.6% | $1,283 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Highlands County (FIPS 12055) across both markets for the same plan year (2026): the individual market side comes from the CMS Marketplace Public Use Files, the small-group side from Ideon's county-level rate data. We never mix plan years, tiers, or geographies. Figures are benchmark estimates — not an offer of insurance, a quote, or a guarantee of savings.
Highlands County ICHRA FAQs
How much can employers save with an ICHRA in Highlands County, Florida?
For plan year 2026 the Highlands County benchmark gap is about $109 per employee per month — individual silver coverage at $668/mo versus $777/mo for comparable small-group coverage. Over a year that's roughly $1,312 per employee. These are estimates from public and industry benchmark data, not quotes; actual savings depend on your census and contribution design.
What does small-group health insurance cost in Highlands County compared to individual plans?
The 2026 small-group benchmark in Highlands County is $777/month (lowest-cost silver, age 50) versus $668/month for the same-tier individual-market plan — the individual market prices 14.1% lower. That inversion is exactly what makes an ICHRA work here.
How does Highlands County rank for ICHRA savings in Florida?
Highlands County ranks #2 of 3 Florida counties with a $100+/month benchmark gap. Its $109/month gap is $53 above the Florida qualifying-county average of $56/month.
Where does this Highlands County 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. Same-year, same-county, same-tier is the only apples-to-apples comparison we publish.
Is an ICHRA the right move for every Highlands County employer?
No. The Highlands County numbers favor an ICHRA on paper, but the answer depends on your group's ages, current renewal, participation, and contribution strategy. A free analysis models your actual census — and if staying on group coverage is cheaper, it will say so.
Ready to run the Highlands County numbers on your group?
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