ICHRA savings in Indiana
92 Indiana counties price individual coverage below small group. Employers there save up to $3,956 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Indiana counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Fayette County | $580 | $909 | 36.2% | $3,956 |
| Hancock County | $580 | $909 | 36.2% | $3,956 |
| Henry County | $580 | $909 | 36.2% | $3,956 |
| Madison County | $580 | $909 | 36.2% | $3,956 |
| Union County | $580 | $909 | 36.2% | $3,956 |
| Wayne County | $580 | $909 | 36.2% | $3,956 |
| Greene County | $615 | $929 | 33.8% | $3,770 |
| Martin County | $615 | $929 | 33.8% | $3,770 |
| Orange County | $615 | $929 | 33.8% | $3,770 |
| Boone County | $607 | $909 | 33.2% | $3,618 |
| Hendricks County | $607 | $909 | 33.2% | $3,618 |
| Marion County | $607 | $909 | 33.2% | $3,618 |
Showing top 12 of 92 qualifying Indiana counties. Explore them all on the interactive map.
Indiana county savings pages
Every Indiana county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Fayette County 36.2%
- Hancock County 36.2%
- Henry County 36.2%
- Madison County 36.2%
- Union County 36.2%
- Wayne County 36.2%
- Greene County 33.8%
- Martin County 33.8%
- Orange County 33.8%
- Boone County 33.2%
- Hendricks County 33.2%
- Marion County 33.2%
- Morgan County 33.2%
- Shelby County 33.2%
- Dearborn County 32.8%
- Ohio County 32.8%
- Ripley County 32.8%
- Switzerland County 32.8%
- Hamilton County 32.2%
- Dubois County 31.7%
- Pike County 31.7%
- Perry County 30.9%
- Spencer County 30.9%
- Brown County 30.3%
- Monroe County 30.3%
- Owen County 30.3%
- Franklin County 29.9%
- Daviess County 29.5%
- Knox County 29.5%
- Blackford County 29.2%
- Delaware County 29.2%
- Grant County 29.2%
- Jay County 29.2%
- Randolph County 29.2%
- Decatur County 28.6%
- Rush County 28.6%
- Carroll County 28.3%
- Clinton County 28.3%
- Fountain County 28.3%
- Montgomery County 28.3%
- Putnam County 28.3%
- Tippecanoe County 28.3%
- Tipton County 28.3%
- Parke County 27.4%
- Sullivan County 27.4%
- Vermillion County 27.4%
- Vigo County 27.4%
- Lawrence County 27.2%
- Bartholomew County 26.9%
- Johnson County 26.6%
- Clay County 25.8%
- Jackson County 25.5%
- Jennings County 25.5%
- Benton County 25.1%
- Jasper County 25.1%
- Newton County 25.1%
- Warren County 25.1%
- White County 25.1%
- Lake County 23.1%
- Porter County 23.1%
- Gibson County 22%
- Posey County 22%
- Vanderburgh County 22%
- Warrick County 22%
- Cass County 20.6%
- Fulton County 20.6%
- Howard County 20.6%
- Miami County 20.6%
- Pulaski County 20.6%
- Elkhart County 17.7%
- Kosciusko County 17.7%
- Marshall County 17.7%
- St. Joseph County 17.7%
- Starke County 17.7%
- Adams County 17.4%
- DeKalb County 17.4%
- Huntington County 17.4%
- LaGrange County 17.4%
- Noble County 17.4%
- Steuben County 17.4%
- Wabash County 17.4%
- Wells County 17.4%
- Whitley County 17.4%
- Clark County 16.7%
- Crawford County 16.7%
- Floyd County 16.7%
- Harrison County 16.7%
- Jefferson County 16.7%
- Scott County 16.7%
- Washington County 16.7%
- Allen County 15.9%
- LaPorte County 14%
The Indiana picture
In Indiana, two out of every three qualifying counties clear the $200 threshold: 60 of the 92 counties that qualify on 2026 silver-plan data show an estimated gap above $200 per employee per month. The widest spread is in Fayette County, east of Indianapolis around Connersville, at an estimated $330 monthly — roughly 36.2% below comparable small-group pricing. Hoosier employers should also know that insurers have filed a proposed 19.3% average increase for the state's 2027 individual market, a filing we track as news rather than fold into any savings estimate.
Indiana's density of $200-plus counties means an employer doesn't have to be in one specific pocket of the state for the estimated math to be interesting — the pattern holds across much of east-central and southern Indiana, not just around the top-ranked county. That matters for the state's manufacturing base in particular, where a 15-to-50-person shop facing another double-digit group renewal may find the individual market in its own county prices well below what it's being quoted. The county page for your location has the specific 2026 figures.
Indiana ICHRA FAQs
How much can employers save with an ICHRA in Indiana?
Across 92 qualifying Indiana counties, the 2026 gap between small-group and individual silver coverage averages 26% — up to $3,956 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 Indiana county has the biggest ICHRA savings?
Fayette County currently shows the widest 2026 spread in Indiana: individual $580/mo vs small group $909/mo — about 36.2% ($3,956/employee/year, estimated).
Does every Indiana county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 92 in Indiana 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 Indiana 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.
How does an Indiana manufacturer with employees in several counties handle ICHRA allowances?
An ICHRA lets you set allowances by employee class, and location-based classes are permitted — so a manufacturer with a plant in Fayette County and an office in Marion County can set different monthly allowances reflecting each county's actual 2026 individual-market prices. Since 60 of Indiana's 92 qualifying counties show an estimated gap above $200 per employee per month, multi-county Indiana employers often find most of their locations sit in favorable territory, but each county should be checked against its own data.
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