ICHRA savings in Georgia
158 Georgia counties price individual coverage below small group. Employers there save up to $8,754 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Georgia counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Ben Hill County | $628 | $1,346 | 53.3% | $8,610 |
| Berrien County | $628 | $1,346 | 53.3% | $8,610 |
| Brooks County | $628 | $1,346 | 53.3% | $8,610 |
| Clinch County | $628 | $1,346 | 53.3% | $8,610 |
| Colquitt County | $628 | $1,346 | 53.3% | $8,610 |
| Cook County | $628 | $1,346 | 53.3% | $8,610 |
| Decatur County | $628 | $1,346 | 53.3% | $8,610 |
| Early County | $628 | $1,346 | 53.3% | $8,610 |
| Echols County | $628 | $1,346 | 53.3% | $8,610 |
| Grady County | $628 | $1,346 | 53.3% | $8,610 |
| Irwin County | $628 | $1,346 | 53.3% | $8,610 |
| Lanier County | $628 | $1,346 | 53.3% | $8,610 |
Showing top 12 of 158 qualifying Georgia counties. Explore them all on the interactive map.
Georgia county savings pages
Every Georgia county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Ben Hill County 53.3%
- Berrien County 53.3%
- Brooks County 53.3%
- Clinch County 53.3%
- Colquitt County 53.3%
- Cook County 53.3%
- Decatur County 53.3%
- Early County 53.3%
- Echols County 53.3%
- Grady County 53.3%
- Irwin County 53.3%
- Lanier County 53.3%
- Lowndes County 53.3%
- Miller County 53.3%
- Seminole County 53.3%
- Thomas County 53.3%
- Tift County 53.3%
- Turner County 53.3%
- Atkinson County 53.3%
- Coffee County 53.3%
- Jeff Davis County 53.3%
- Telfair County 53.3%
- Wheeler County 53.3%
- Franklin County 53%
- Hart County 53%
- Stephens County 53%
- Johnson County 52.5%
- Laurens County 52.5%
- Montgomery County 52.5%
- Toombs County 52.5%
- Treutlen County 52.5%
- Baker County 52.4%
- Calhoun County 52.4%
- Clay County 52.4%
- Crisp County 52.4%
- Dougherty County 52.4%
- Lee County 52.4%
- Mitchell County 52.4%
- Randolph County 52.4%
- Schley County 52.4%
- Sumter County 52.4%
- Terrell County 52.4%
- Worth County 52.4%
- Banks County 49.2%
- Habersham County 49.2%
- Lumpkin County 49.2%
- Rabun County 49.2%
- Towns County 49.2%
- Union County 49.2%
- White County 49.2%
- Bacon County 49.2%
- Brantley County 49.2%
- Camden County 49.2%
- Charlton County 49.2%
- Glynn County 49.2%
- McIntosh County 49.2%
- Pierce County 49.2%
- Ware County 49.2%
- Wayne County 49.2%
- Chattooga County 49%
- Floyd County 49%
- Gilmer County 49%
- Gordon County 49%
- Polk County 49%
- Bibb County 44.3%
- Bleckley County 44.3%
- Crawford County 44.3%
- Dodge County 44.3%
- Dooly County 44.3%
- Houston County 44.3%
- Jones County 44.3%
- Monroe County 44.3%
- Peach County 44.3%
- Pulaski County 44.3%
- Putnam County 44.3%
- Twiggs County 44.3%
- Wilcox County 44.3%
- Baldwin County 41.2%
- Hancock County 41.2%
- Washington County 41.2%
- Wilkinson County 41.2%
- Chattahoochee County 39.2%
- Harris County 39.2%
- Macon County 39.2%
- Marion County 39.2%
- Muscogee County 39.2%
- Quitman County 39.2%
- Stewart County 39.2%
- Talbot County 39.2%
- Taylor County 39.2%
- Troup County 39.2%
- Upson County 39.2%
- Webster County 39.2%
- Fannin County 38.6%
- Murray County 38.6%
- Whitfield County 38.6%
- Burke County 34%
- Columbia County 34%
- Emanuel County 34%
- Glascock County 34%
- Jefferson County 34%
- Jenkins County 34%
- Lincoln County 34%
- McDuffie County 34%
- Richmond County 34%
- Taliaferro County 34%
- Warren County 34%
- Wilkes County 34%
- Elbert County 33.6%
- Greene County 33.6%
- Jackson County 33.6%
- Morgan County 33.6%
- Catoosa County 33.6%
- Dade County 33.6%
- Walker County 33.6%
- Appling County 31.3%
- Bryan County 31.3%
- Bulloch County 31.3%
- Candler County 31.3%
- Chatham County 31.3%
- Effingham County 31.3%
- Evans County 31.3%
- Liberty County 31.3%
- Long County 31.3%
- Screven County 31.3%
- Tattnall County 31.3%
- Jasper County 28.6%
- Dawson County 24.2%
- Hall County 24.2%
- Pickens County 23%
- Meriwether County 14.8%
The Georgia picture
Georgia's individual-market advantage lives outside the Perimeter: 158 counties qualify on 2026 silver-plan data, and 129 of them show an estimated gap of more than $200 per employee per month, while Fulton County's gap stays comparatively small. The widest spread sits in rural Baker County, at an estimated $729 per month — about 52.4% below comparable small-group coverage. For 2027, Georgia insurers have filed a proposed average individual-market increase of 20.7%, a development worth watching but not part of these savings estimates.
The mid-size markets are where Georgia employers may find the most room to move: Lowndes County (Valdosta) shows an estimated $385 monthly gap, Dougherty County (Albany) about $368, Floyd County (Rome) around $340, and Glynn County (Brunswick) roughly $306. Bibb County (Macon) and Houston County (Warner Robins) each come in near $264, with Muscogee County (Columbus) at about $226 and Whitfield County (Dalton) at roughly $209. A manufacturer in Dalton or a distributor in Albany could see meaningfully different economics than a firm of the same size in metro Atlanta.
Georgia ICHRA FAQs
How much can employers save with an ICHRA in Georgia?
Across 158 qualifying Georgia counties, the 2026 gap between small-group and individual silver coverage averages 37% — up to $8,754 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 Georgia county has the biggest ICHRA savings?
Ben Hill County currently shows the widest 2026 spread in Georgia: individual $628/mo vs small group $1,346/mo — about 53.3% ($8,610/employee/year, estimated).
Does every Georgia county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 158 in Georgia 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 Georgia 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.
Why are ICHRA savings estimates so much smaller in metro Atlanta than in the rest of Georgia?
Metro Atlanta's individual market is priced closer to its small-group market, so the estimated gap in counties like Fulton is narrow on 2026 data. In much of the rest of the state — Valdosta, Albany, Rome, Macon, Brunswick — individual-market silver plans price well below comparable small-group coverage, which is why 129 Georgia counties show an estimated gap above $200 per employee per month. Location, not company size, drives most of the difference.
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