ICHRA savings in Howard County, IN
In Howard County, individual silver coverage benchmarks at $690/mo versus $868/mo for small group — a gap of about $179 per employee per month, or $2,144 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 | $1,787 | $21,438 |
| 25 | $4,466 | $53,595 |
| 50 | $8,933 | $107,190 |
| 100 | $17,865 | $214,380 |
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Howard County vs the Indiana average
| Howard County | Indiana qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $179 | $225 |
| Savings vs small group | 20.6% | 26% |
Howard County sits $46/month under the qualifying-county average for Indiana, but still clears the $100/month bar where an ICHRA analysis is usually worth running. See how the whole state stacks up on the Indiana savings page or the interactive map.
Nearby Indiana counties
How Howard County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Warrick County | $647 | $830 | 22% | $2,187 |
| Cass County | $690 | $868 | 20.6% | $2,144 |
| Fulton County | $690 | $868 | 20.6% | $2,144 |
| Miami County | $690 | $868 | 20.6% | $2,144 |
| Pulaski County | $690 | $868 | 20.6% | $2,144 |
| Elkhart County | $632 | $768 | 17.7% | $1,631 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Howard County (FIPS 18067) 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.
Howard County ICHRA FAQs
How much can employers save with an ICHRA in Howard County, Indiana?
For plan year 2026 the Howard County benchmark gap is about $179 per employee per month — individual silver coverage at $690/mo versus $868/mo for comparable small-group coverage. Over a year that's roughly $2,144 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 Howard County compared to individual plans?
The 2026 small-group benchmark in Howard County is $868/month (lowest-cost silver, age 50) versus $690/month for the same-tier individual-market plan — the individual market prices 20.6% lower. That inversion is exactly what makes an ICHRA work here.
How does Howard County rank for ICHRA savings in Indiana?
Howard County ranks #67 of 92 Indiana counties with a $100+/month benchmark gap. Its $179/month gap is $46 below the Indiana qualifying-county average of $225/month.
Where does this Howard 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 Howard County employer?
No. The Howard 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.
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