ICHRA savings in Madison County, KY
In Madison County, individual silver coverage benchmarks at $726/mo versus $971/mo for small group — a gap of about $245 per employee per month, or $2,937 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 | $2,447 | $29,368 |
| 25 | $6,118 | $73,419 |
| 50 | $12,237 | $146,838 |
| 100 | $24,473 | $293,676 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Madison County vs the Kentucky average
| Madison County | Kentucky qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $245 | $242 |
| Savings vs small group | 25.2% | 23% |
Madison County runs $3/month ahead of the typical qualifying Kentucky county — one of the stronger local cases for an ICHRA in the state. See how the whole state stacks up on the Kentucky savings page or the interactive map.
Nearby Kentucky counties
How Madison County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Jackson County | $726 | $971 | 25.2% | $2,937 |
| Jessamine County | $726 | $971 | 25.2% | $2,937 |
| Lincoln County | $726 | $971 | 25.2% | $2,937 |
| Mercer County | $726 | $971 | 25.2% | $2,937 |
| Nicholas County | $726 | $971 | 25.2% | $2,937 |
| Owen County | $726 | $971 | 25.2% | $2,937 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Madison County (FIPS 21151) 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.
Madison County ICHRA FAQs
How much can employers save with an ICHRA in Madison County, Kentucky?
For plan year 2026 the Madison County benchmark gap is about $245 per employee per month — individual silver coverage at $726/mo versus $971/mo for comparable small-group coverage. Over a year that's roughly $2,937 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 Madison County compared to individual plans?
The 2026 small-group benchmark in Madison County is $971/month (lowest-cost silver, age 50) versus $726/month for the same-tier individual-market plan — the individual market prices 25.2% lower. That inversion is exactly what makes an ICHRA work here.
How does Madison County rank for ICHRA savings in Kentucky?
Madison County ranks #41 of 110 Kentucky counties with a $100+/month benchmark gap. Its $245/month gap is $3 above the Kentucky qualifying-county average of $242/month.
Where does this Madison 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 Madison County employer?
No. The Madison 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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