ICHRA savings in Idaho
26 Idaho counties price individual coverage below small group. Employers there save up to $1,519 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Idaho counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Clearwater County | $506 | $633 | 20% | $1,519 |
| Idaho County | $506 | $633 | 20% | $1,519 |
| Latah County | $506 | $633 | 20% | $1,519 |
| Lewis County | $506 | $633 | 20% | $1,519 |
| Nez Perce County | $506 | $633 | 20% | $1,519 |
| Bonneville County | $534 | $627 | 14.8% | $1,117 |
| Butte County | $534 | $627 | 14.8% | $1,117 |
| Clark County | $534 | $627 | 14.8% | $1,117 |
| Fremont County | $534 | $627 | 14.8% | $1,117 |
| Jefferson County | $534 | $627 | 14.8% | $1,117 |
| Madison County | $534 | $627 | 14.8% | $1,117 |
| Teton County | $534 | $627 | 14.8% | $1,117 |
Showing top 12 of 26 qualifying Idaho counties. Explore them all on the interactive map.
Idaho county savings pages
Every Idaho county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Clearwater County 20%
- Idaho County 20%
- Latah County 20%
- Lewis County 20%
- Nez Perce County 20%
The Idaho picture
Twenty-six Idaho counties qualify in 2026 plan-year data, led by rural Clearwater County in the north at an estimated $127 per employee per month (about 20.0%); no county in the state exceeds $200. The pattern tilts rural and northern rather than toward the Boise metro. Separately, insurers have filed for an average 13% individual-market increase for 2027 — a proposed figure that is reported here as news and excluded from every savings estimate.
Idaho's estimated gaps are small in dollar terms, and we'd rather say so than oversell: even the top county saves an estimated $127 per employee per month, and the leaders are northern rural counties like Clearwater rather than the Treasure Valley. That said, small-group options thin out fast outside Boise, and for employers in Orofino, Lewiston-adjacent towns, or the Panhandle, an ICHRA can be less about beating a group quote and more about having a workable benefit at all where group choices are limited. Companies like yours could see the flexibility matter more than the dollar figure.
Idaho ICHRA FAQs
How much can employers save with an ICHRA in Idaho?
Across 26 qualifying Idaho counties, the 2026 gap between small-group and individual silver coverage averages 12% — up to $1,519 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 Idaho county has the biggest ICHRA savings?
Clearwater County currently shows the widest 2026 spread in Idaho: individual $506/mo vs small group $633/mo — about 20% ($1,519/employee/year, estimated).
Does every Idaho county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 26 in Idaho 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 Idaho 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 do Idaho's rural northern counties show bigger ICHRA gaps than Boise?
It comes down to rating-area pricing: in 2026 plan-year data, insurers priced individual coverage furthest below small group in northern rural areas, with Clearwater County showing the state's widest estimated gap at about $127 per employee per month (20.0%) at the lowest-cost silver, age-50 benchmark. The Boise metro's markets are priced closer together, so the estimated advantage there is smaller. For rural Idaho employers the practical draw is often plan access — individual markets can offer choices where small-group options are sparse — with the modest estimated savings as a secondary factor.
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