ICHRA savings in Kossuth County, IA
In Kossuth County, individual silver coverage benchmarks at $539/mo versus $650/mo for small group — a gap of about $112 per employee per month, or $1,338 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 | $1,115 | $13,382 |
| 25 | $2,788 | $33,456 |
| 50 | $5,576 | $66,912 |
| 100 | $11,152 | $133,824 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Kossuth County vs the Iowa average
| Kossuth County | Iowa qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $112 | $78 |
| Savings vs small group | 17.1% | 13% |
Kossuth County runs $34/month ahead of the typical qualifying Iowa county — one of the stronger local cases for an ICHRA in the state. See how the whole state stacks up on the Iowa savings page or the interactive map.
Nearby Iowa counties
How Kossuth County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Fayette County | $539 | $650 | 17.1% | $1,338 |
| Franklin County | $539 | $650 | 17.1% | $1,338 |
| Hancock County | $539 | $650 | 17.1% | $1,338 |
| Mitchell County | $539 | $650 | 17.1% | $1,338 |
| Winnebago County | $539 | $650 | 17.1% | $1,338 |
| Worth County | $539 | $650 | 17.1% | $1,338 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Kossuth County (FIPS 19109) 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.
Kossuth County ICHRA FAQs
How much can employers save with an ICHRA in Kossuth County, Iowa?
For plan year 2026 the Kossuth County benchmark gap is about $112 per employee per month — individual silver coverage at $539/mo versus $650/mo for comparable small-group coverage. Over a year that's roughly $1,338 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 Kossuth County compared to individual plans?
The 2026 small-group benchmark in Kossuth County is $650/month (lowest-cost silver, age 50) versus $539/month for the same-tier individual-market plan — the individual market prices 17.1% lower. That inversion is exactly what makes an ICHRA work here.
How does Kossuth County rank for ICHRA savings in Iowa?
Kossuth County ranks #8 of 11 Iowa counties with a $100+/month benchmark gap. Its $112/month gap is $34 above the Iowa qualifying-county average of $78/month.
Where does this Kossuth 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 Kossuth County employer?
No. The Kossuth 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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