ICHRA savings in Thomas County, KS
In Thomas County, individual silver coverage benchmarks at $804/mo versus $931/mo for small group — a gap of about $127 per employee per month, or $1,526 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 | $1,271 | $15,256 |
| 25 | $3,178 | $38,139 |
| 50 | $6,357 | $76,278 |
| 100 | $12,713 | $152,556 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Thomas County vs the Kansas average
| Thomas County | Kansas qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $127 | $162 |
| Savings vs small group | 13.7% | 17% |
Thomas County sits $35/month under the qualifying-county average for Kansas, but still clears the $100/month bar where an ICHRA analysis is usually worth running. See how the whole state stacks up on the Kansas savings page or the interactive map.
Nearby Kansas counties
How Thomas County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Sheridan County | $804 | $931 | 13.7% | $1,526 |
| Sherman County | $804 | $931 | 13.7% | $1,526 |
| Smith County | $804 | $931 | 13.7% | $1,526 |
| Trego County | $804 | $931 | 13.7% | $1,526 |
| Wichita County | $804 | $931 | 13.7% | $1,526 |
| Barber County | $796 | $914 | 12.9% | $1,410 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Thomas County (FIPS 20193) 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.
Thomas County ICHRA FAQs
How much can employers save with an ICHRA in Thomas County, Kansas?
For plan year 2026 the Thomas County benchmark gap is about $127 per employee per month — individual silver coverage at $804/mo versus $931/mo for comparable small-group coverage. Over a year that's roughly $1,526 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 Thomas County compared to individual plans?
The 2026 small-group benchmark in Thomas County is $931/month (lowest-cost silver, age 50) versus $804/month for the same-tier individual-market plan — the individual market prices 13.7% lower. That inversion is exactly what makes an ICHRA work here.
How does Thomas County rank for ICHRA savings in Kansas?
Thomas County ranks #64 of 73 Kansas counties with a $100+/month benchmark gap. Its $127/month gap is $35 below the Kansas qualifying-county average of $162/month.
Where does this Thomas 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 Thomas County employer?
No. The Thomas 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.
Ready to run the Thomas County numbers on your group?
Get a free, no-obligation analysis for your county and employee count.
See what your company could save
County-specific 2026 numbers, about 30 seconds, no contact info needed.
How many employees do you have?
See What My Company Could Save →30-second estimate. No contact info needed.