ICHRA savings in St. Clair County, MO
In St. Clair County, individual silver coverage benchmarks at $735/mo versus $911/mo for small group — a gap of about $177 per employee per month, or $2,120 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 | $1,767 | $21,204 |
| 25 | $4,418 | $53,010 |
| 50 | $8,835 | $106,020 |
| 100 | $17,670 | $212,040 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
St. Clair County vs the Missouri average
| St. Clair County | Missouri qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $177 | $148 |
| Savings vs small group | 19.4% | 17% |
St. Clair County runs $29/month ahead of the typical qualifying Missouri county — one of the stronger local cases for an ICHRA in the state. See how the whole state stacks up on the Missouri savings page or the interactive map.
Nearby Missouri counties
How St. Clair County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Benton County | $735 | $911 | 19.4% | $2,120 |
| Henry County | $735 | $911 | 19.4% | $2,120 |
| Pettis County | $735 | $911 | 19.4% | $2,120 |
| Saline County | $735 | $911 | 19.4% | $2,120 |
| Vernon County | $735 | $911 | 19.4% | $2,120 |
| Adair County | $836 | $1,034 | 19.1% | $2,372 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in St. Clair County (FIPS 29185) 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.
St. Clair County ICHRA FAQs
How much can employers save with an ICHRA in St. Clair County, Missouri?
For plan year 2026 the St. Clair County benchmark gap is about $177 per employee per month — individual silver coverage at $735/mo versus $911/mo for comparable small-group coverage. Over a year that's roughly $2,120 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 St. Clair County compared to individual plans?
The 2026 small-group benchmark in St. Clair County is $911/month (lowest-cost silver, age 50) versus $735/month for the same-tier individual-market plan — the individual market prices 19.4% lower. That inversion is exactly what makes an ICHRA work here.
How does St. Clair County rank for ICHRA savings in Missouri?
St. Clair County ranks #39 of 92 Missouri counties with a $100+/month benchmark gap. Its $177/month gap is $29 above the Missouri qualifying-county average of $148/month.
Where does this St. Clair 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 St. Clair County employer?
No. The St. Clair 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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