avg 17% savings

ICHRA savings in Missouri

115 Missouri counties price individual coverage below small group. Employers there save up to $2,800 per employee per year.

Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.

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Top Missouri counties by savings

Monthly benchmark premiums: individual vs small group, 2026 plan year.

CountyIndividual /moSmall group /moYou saveAnnual / employee
Cass County $613 $847 27.6% $2,800
Clay County $613 $847 27.6% $2,800
Jackson County $613 $847 27.6% $2,800
Platte County $613 $847 27.6% $2,800
Ste. Genevieve County $561 $774 27.5% $2,557
Washington County $561 $774 27.5% $2,557
Carter County $719 $931 22.8% $2,550
Crawford County $719 $931 22.8% $2,550
Dent County $719 $931 22.8% $2,550
Howell County $719 $931 22.8% $2,550
Iron County $719 $931 22.8% $2,550
Oregon County $719 $931 22.8% $2,550

Showing top 12 of 115 qualifying Missouri counties. Explore them all on the interactive map.

Missouri county savings pages

Every Missouri county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.

The Missouri picture

Missouri's ICHRA story starts in the Kansas City suburbs: Cass County posts the state's widest estimated gap at $233 per employee per month, about 27.6% below comparable small-group coverage on 2026 silver-plan data. Statewide, 115 counties qualify, though only 18 clear the $200-a-month mark — so the opportunity is real but selective. Missouri's filed 2027 individual-market increases average a comparatively moderate proposed 12.5%, which is context for planning, not an input to these figures.

For employers south of Kansas City — Belton, Raymore, Harrisonville — the estimated $200-plus monthly gap in Cass County makes the comparison worth an hour of diligence before the next renewal. Elsewhere in the state, including much of the St. Louis side, gaps tend to be thinner, and the decision leans more on plan flexibility and budget predictability than on raw dollar savings. The county-level spread is wide enough in Missouri that two employers 40 miles apart may reach opposite conclusions, both correctly.

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Missouri ICHRA FAQs

How much can employers save with an ICHRA in Missouri?

Across 115 qualifying Missouri counties, the 2026 gap between small-group and individual silver coverage averages 17% — up to $2,800 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 Missouri county has the biggest ICHRA savings?

Cass County currently shows the widest 2026 spread in Missouri: individual $613/mo vs small group $847/mo — about 27.6% ($2,800/employee/year, estimated).

Does every Missouri county qualify for ICHRA savings?

No. Only counties where the individual market prices below small group make the list — 115 in Missouri 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 Missouri 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.

Why do Kansas City suburbs like Cass County show bigger ICHRA gaps than the rest of Missouri?

It comes down to how each county's individual market prices against its small-group market. In Cass County, 2026 lowest-cost silver plans price an estimated 27.6% — about $233 per employee per month — below comparable small-group coverage, the widest spread in the state. Most Missouri counties qualify on 2026 data, but only 18 clear $200 a month, so proximity to the Kansas City metro's southern suburbs currently correlates with the strongest estimated math.

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