ICHRA savings in Kansas
85 Kansas counties price individual coverage below small group. Employers there save up to $3,869 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Kansas counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Anderson County | $649 | $972 | 33.2% | $3,869 |
| Atchison County | $649 | $972 | 33.2% | $3,869 |
| Douglas County | $649 | $972 | 33.2% | $3,869 |
| Franklin County | $649 | $972 | 33.2% | $3,869 |
| Jackson County | $649 | $972 | 33.2% | $3,869 |
| Jefferson County | $649 | $972 | 33.2% | $3,869 |
| Linn County | $649 | $972 | 33.2% | $3,869 |
| Osage County | $649 | $972 | 33.2% | $3,869 |
| Shawnee County | $649 | $972 | 33.2% | $3,869 |
| Wabaunsee County | $649 | $972 | 33.2% | $3,869 |
| Allen County | $675 | $914 | 26.1% | $2,865 |
| Woodson County | $675 | $914 | 26.1% | $2,865 |
Showing top 12 of 85 qualifying Kansas counties. Explore them all on the interactive map.
Kansas county savings pages
Every Kansas county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Anderson County 33.2%
- Atchison County 33.2%
- Douglas County 33.2%
- Franklin County 33.2%
- Jackson County 33.2%
- Jefferson County 33.2%
- Linn County 33.2%
- Osage County 33.2%
- Shawnee County 33.2%
- Wabaunsee County 33.2%
- Allen County 26.1%
- Woodson County 26.1%
- Morris County 24.7%
- Johnson County 22.3%
- Leavenworth County 22.3%
- Miami County 22.3%
- Wyandotte County 22.3%
- Brown County 20.4%
- Coffey County 20.4%
- Doniphan County 20.4%
- Lyon County 20.4%
- Marshall County 20.4%
- Nemaha County 20.4%
- Pottawatomie County 20.4%
- Clay County 20.3%
- Cloud County 20.3%
- Dickinson County 20.3%
- Ellsworth County 20.3%
- Geary County 20.3%
- Jewell County 20.3%
- Lincoln County 20.3%
- Mitchell County 20.3%
- Ottawa County 20.3%
- Republic County 20.3%
- Riley County 20.3%
- Saline County 20.3%
- Washington County 20.3%
- Bourbon County 15.3%
- Cherokee County 15.3%
- Crawford County 15.3%
- Labette County 15.3%
- Neosho County 15.3%
- Barton County 13.7%
- Cheyenne County 13.7%
- Decatur County 13.7%
- Ellis County 13.7%
- Gove County 13.7%
- Graham County 13.7%
- Greeley County 13.7%
- Lane County 13.7%
- Logan County 13.7%
- Ness County 13.7%
- Norton County 13.7%
- Osborne County 13.7%
- Phillips County 13.7%
- Rawlins County 13.7%
- Rooks County 13.7%
- Rush County 13.7%
- Russell County 13.7%
- Scott County 13.7%
- Sheridan County 13.7%
- Sherman County 13.7%
- Smith County 13.7%
- Thomas County 13.7%
- Trego County 13.7%
- Wichita County 13.7%
- Barber County 12.9%
- Comanche County 12.9%
- Edwards County 12.9%
- Hodgeman County 12.9%
- Kiowa County 12.9%
- Pawnee County 12.9%
- Pratt County 12.9%
The Kansas picture
Kansas presents a split picture on 2026 data: 85 counties qualify, but only 13 show an estimated gap above $200 per employee per month, with the widest spread in Anderson County at an estimated $322 monthly (about 33.2% below comparable small-group coverage). The bigger Kansas story may be what's coming: insurers have filed a proposed 24.2% average increase for the state's 2027 individual market — among the steepest proposed increases in the country. That filing is pending and is reported here strictly as news; none of it appears in the savings figures on this site.
For eastern Kansas employers — Anderson County, seat Garnett, sits about an hour south of the Kansas City metro along the rural corridor toward Allen and Coffey counties — the current estimated math can already clear $300 a month per employee. Employers elsewhere in the state will mostly find thinner gaps, which makes 2026 a year to benchmark rather than assume: pull your county's actual numbers, note what the 2027 filings could do to both markets, and decide with the data in front of you rather than at the renewal deadline.
Kansas ICHRA FAQs
How much can employers save with an ICHRA in Kansas?
Across 85 qualifying Kansas counties, the 2026 gap between small-group and individual silver coverage averages 17% — up to $3,869 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 Kansas county has the biggest ICHRA savings?
Anderson County currently shows the widest 2026 spread in Kansas: individual $649/mo vs small group $972/mo — about 33.2% ($3,869/employee/year, estimated).
Does every Kansas county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 85 in Kansas 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 Kansas 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 could the proposed 24.2% rate increase for 2027 affect Kansas employers thinking about an ICHRA?
The 24.2% figure is what Kansas insurers have filed for the 2027 individual market; it's a proposal, subject to review, and it isn't included in any savings estimate on this site. If approved, it would raise individual-market prices — but small-group renewals in Kansas have been rising too, so the gap between the two markets won't necessarily close. The practical move is to compare your county's actual 2026 numbers now, then re-run the comparison when final 2027 rates publish this fall.
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