ICHRA savings in Marshall County, KY
In Marshall County, individual silver coverage benchmarks at $849/mo versus $1,126/mo for small group — a gap of about $277 per employee per month, or $3,325 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 | $2,771 | $33,253 |
| 25 | $6,928 | $83,133 |
| 50 | $13,856 | $166,266 |
| 100 | $27,711 | $332,532 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Marshall County vs the Kentucky average
| Marshall County | Kentucky qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $277 | $242 |
| Savings vs small group | 24.6% | 23% |
Marshall County runs $35/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 Marshall County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Livingston County | $849 | $1,126 | 24.6% | $3,325 |
| Lyon County | $849 | $1,126 | 24.6% | $3,325 |
| McCracken County | $849 | $1,126 | 24.6% | $3,325 |
| Christian County | $833 | $1,085 | 23.2% | $3,018 |
| Daviess County | $833 | $1,085 | 23.2% | $3,018 |
| Hancock County | $833 | $1,085 | 23.2% | $3,018 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Marshall County (FIPS 21157) 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.
Marshall County ICHRA FAQs
How much can employers save with an ICHRA in Marshall County, Kentucky?
For plan year 2026 the Marshall County benchmark gap is about $277 per employee per month — individual silver coverage at $849/mo versus $1,126/mo for comparable small-group coverage. Over a year that's roughly $3,325 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 Marshall County compared to individual plans?
The 2026 small-group benchmark in Marshall County is $1,126/month (lowest-cost silver, age 50) versus $849/month for the same-tier individual-market plan — the individual market prices 24.6% lower. That inversion is exactly what makes an ICHRA work here.
How does Marshall County rank for ICHRA savings in Kentucky?
Marshall County ranks #60 of 110 Kentucky counties with a $100+/month benchmark gap. Its $277/month gap is $35 above the Kentucky qualifying-county average of $242/month.
Where does this Marshall 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 Marshall County employer?
No. The Marshall 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 Marshall 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.