ICHRA savings in Kentucky
118 Kentucky counties price individual coverage below small group. Employers there save up to $4,304 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Kentucky counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Bath County | $673 | $1,031 | 34.8% | $4,304 |
| Boyd County | $673 | $1,031 | 34.8% | $4,304 |
| Bracken County | $673 | $1,031 | 34.8% | $4,304 |
| Carter County | $673 | $1,031 | 34.8% | $4,304 |
| Elliott County | $673 | $1,031 | 34.8% | $4,304 |
| Greenup County | $673 | $1,031 | 34.8% | $4,304 |
| Lawrence County | $673 | $1,031 | 34.8% | $4,304 |
| Lewis County | $673 | $1,031 | 34.8% | $4,304 |
| Menifee County | $673 | $1,031 | 34.8% | $4,304 |
| Morgan County | $673 | $1,031 | 34.8% | $4,304 |
| Boone County | $834 | $1,169 | 28.6% | $4,016 |
| Campbell County | $834 | $1,169 | 28.6% | $4,016 |
Showing top 12 of 118 qualifying Kentucky counties. Explore them all on the interactive map.
Kentucky county savings pages
Every Kentucky county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Bath County 34.8%
- Boyd County 34.8%
- Bracken County 34.8%
- Carter County 34.8%
- Elliott County 34.8%
- Greenup County 34.8%
- Lawrence County 34.8%
- Lewis County 34.8%
- Menifee County 34.8%
- Morgan County 34.8%
- Boone County 28.6%
- Campbell County 28.6%
- Gallatin County 28.6%
- Grant County 28.6%
- Kenton County 28.6%
- Pendleton County 28.6%
- Breckinridge County 27.1%
- Bullitt County 27.1%
- Carroll County 27.1%
- Hardin County 27.1%
- Henry County 27.1%
- Jefferson County 27.1%
- Larue County 27.1%
- Meade County 27.1%
- Nelson County 27.1%
- Oldham County 27.1%
- Shelby County 27.1%
- Spencer County 27.1%
- Trimble County 27.1%
- Washington County 27.1%
- Anderson County 25.2%
- Boyle County 25.2%
- Clark County 25.2%
- Estill County 25.2%
- Fayette County 25.2%
- Franklin County 25.2%
- Garrard County 25.2%
- Jackson County 25.2%
- Jessamine County 25.2%
- Lincoln County 25.2%
- Madison County 25.2%
- Mercer County 25.2%
- Nicholas County 25.2%
- Owen County 25.2%
- Powell County 25.2%
- Rockcastle County 25.2%
- Scott County 25.2%
- Woodford County 25.2%
- Bourbon County 25%
- Ballard County 24.6%
- Caldwell County 24.6%
- Calloway County 24.6%
- Carlisle County 24.6%
- Crittenden County 24.6%
- Fulton County 24.6%
- Hickman County 24.6%
- Livingston County 24.6%
- Lyon County 24.6%
- McCracken County 24.6%
- Marshall County 24.6%
- Christian County 23.2%
- Daviess County 23.2%
- Hancock County 23.2%
- Henderson County 23.2%
- Hopkins County 23.2%
- McLean County 23.2%
- Muhlenberg County 23.2%
- Ohio County 23.2%
- Todd County 23.2%
- Trigg County 23.2%
- Union County 23.2%
- Webster County 23.2%
- Bell County 22.6%
- Breathitt County 22.6%
- Clay County 22.6%
- Floyd County 22.6%
- Harlan County 22.6%
- Johnson County 22.6%
- Knott County 22.6%
- Knox County 22.6%
- Laurel County 22.6%
- Lee County 22.6%
- Leslie County 22.6%
- Letcher County 22.6%
- Magoffin County 22.6%
- Martin County 22.6%
- Owsley County 22.6%
- Perry County 22.6%
- Pike County 22.6%
- Whitley County 22.6%
- Wolfe County 22.6%
- Adair County 17.1%
- Allen County 17.1%
- Barren County 17.1%
- Butler County 17.1%
- Casey County 17.1%
- Clinton County 17.1%
- Cumberland County 17.1%
- Edmonson County 17.1%
- Green County 17.1%
- Hart County 17.1%
- Logan County 17.1%
- McCreary County 17.1%
- Metcalfe County 17.1%
- Monroe County 17.1%
- Russell County 17.1%
- Simpson County 17.1%
- Taylor County 17.1%
- Warren County 17.1%
- Graves County 15.7%
The Kentucky picture
Kentucky may be one of the most underrated ICHRA states in the country. On 2026 silver-plan data, 118 counties qualify and 91 of them — the large majority of the state — show an estimated gap above $200 per employee per month, topping out in Bath County at an estimated $359 (about 34.8% below comparable small-group pricing). Insurers have filed a proposed 18.7% average increase for Kentucky's 2027 individual market; that filing is news context, not part of these estimates.
What sets Kentucky apart is how evenly the opportunity spreads: the Louisville and Lexington metros qualify alongside dozens of rural counties, so a bourbon-trail distillery, an eastern Kentucky logging operation, and a Jefferson County professional firm are all looking at broadly similar economics. Employers here rarely need to be in a special pocket of the state for the estimated math to clear $200 a month per employee — companies like yours could see the numbers work in most of the commonwealth.
Kentucky ICHRA FAQs
How much can employers save with an ICHRA in Kentucky?
Across 118 qualifying Kentucky counties, the 2026 gap between small-group and individual silver coverage averages 23% — up to $4,304 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 Kentucky county has the biggest ICHRA savings?
Bath County currently shows the widest 2026 spread in Kentucky: individual $673/mo vs small group $1,031/mo — about 34.8% ($4,304/employee/year, estimated).
Does every Kentucky county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 118 in Kentucky 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 Kentucky 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.
Do ICHRA savings in Kentucky apply in Louisville and Lexington, or just in rural counties?
Both. Unlike states where the estimated gap concentrates in rural areas, Kentucky's 2026 data shows the Louisville and Lexington metros qualifying along with most rural counties — 91 of the 118 qualifying counties show an estimated gap above $200 per employee per month. The widest single spread is rural (Bath County, at an estimated $359 monthly), but urban Kentucky employers are not shut out of the math the way, say, metro Atlanta employers are in Georgia.
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