ICHRA savings in Trimble County, KY
In Trimble County, individual silver coverage benchmarks at $714/mo versus $981/mo for small group — a gap of about $266 per employee per month, or $3,195 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 | $2,663 | $31,952 |
| 25 | $6,657 | $79,881 |
| 50 | $13,314 | $159,762 |
| 100 | $26,627 | $319,524 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Trimble County vs the Kentucky average
| Trimble County | Kentucky qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $266 | $242 |
| Savings vs small group | 27.1% | 23% |
Trimble County runs $24/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 Trimble County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Oldham County | $714 | $981 | 27.1% | $3,195 |
| Shelby County | $714 | $981 | 27.1% | $3,195 |
| Spencer County | $714 | $981 | 27.1% | $3,195 |
| Washington County | $714 | $981 | 27.1% | $3,195 |
| Anderson County | $726 | $971 | 25.2% | $2,937 |
| Boyle 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 Trimble County (FIPS 21223) 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.
Trimble County ICHRA FAQs
How much can employers save with an ICHRA in Trimble County, Kentucky?
For plan year 2026 the Trimble County benchmark gap is about $266 per employee per month — individual silver coverage at $714/mo versus $981/mo for comparable small-group coverage. Over a year that's roughly $3,195 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 Trimble County compared to individual plans?
The 2026 small-group benchmark in Trimble County is $981/month (lowest-cost silver, age 50) versus $714/month for the same-tier individual-market plan — the individual market prices 27.1% lower. That inversion is exactly what makes an ICHRA work here.
How does Trimble County rank for ICHRA savings in Kentucky?
Trimble County ranks #29 of 110 Kentucky counties with a $100+/month benchmark gap. Its $266/month gap is $24 above the Kentucky qualifying-county average of $242/month.
Where does this Trimble 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 Trimble County employer?
No. The Trimble 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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