ICHRA savings in Nebraska
46 Nebraska counties price individual coverage below small group. Employers there save up to $2,115 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Nebraska counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Arthur County | $896 | $1,072 | 16.4% | $2,115 |
| Banner County | $896 | $1,072 | 16.4% | $2,115 |
| Box Butte County | $896 | $1,072 | 16.4% | $2,115 |
| Chase County | $896 | $1,072 | 16.4% | $2,115 |
| Cheyenne County | $896 | $1,072 | 16.4% | $2,115 |
| Dawes County | $896 | $1,072 | 16.4% | $2,115 |
| Deuel County | $896 | $1,072 | 16.4% | $2,115 |
| Dundy County | $896 | $1,072 | 16.4% | $2,115 |
| Frontier County | $896 | $1,072 | 16.4% | $2,115 |
| Garden County | $896 | $1,072 | 16.4% | $2,115 |
| Grant County | $896 | $1,072 | 16.4% | $2,115 |
| Hayes County | $896 | $1,072 | 16.4% | $2,115 |
Showing top 12 of 46 qualifying Nebraska counties. Explore them all on the interactive map.
Nebraska county savings pages
Every Nebraska county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Arthur County 16.4%
- Banner County 16.4%
- Box Butte County 16.4%
- Chase County 16.4%
- Cheyenne County 16.4%
- Dawes County 16.4%
- Deuel County 16.4%
- Dundy County 16.4%
- Frontier County 16.4%
- Garden County 16.4%
- Grant County 16.4%
- Hayes County 16.4%
- Hitchcock County 16.4%
- Hooker County 16.4%
- Keith County 16.4%
- Kimball County 16.4%
- Lincoln County 16.4%
- McPherson County 16.4%
- Perkins County 16.4%
- Red Willow County 16.4%
- Scotts Bluff County 16.4%
- Sheridan County 16.4%
- Sioux County 16.4%
- Thomas County 16.4%
- Gage County 13.1%
- Jefferson County 13.1%
- Richardson County 13.1%
The Nebraska picture
Nebraska qualifies broadly — 46 counties show the individual market pricing below small group in 2026 plan-year data — but the gaps are modest. The widest is Arthur County at an estimated $176 per employee per month (about 16.4%), and no Nebraska county clears $200. Insurers have filed for an average 13.3% individual-market increase for 2027; that is a proposed figure under regulatory review and is not reflected in any savings estimate here.
We'll be direct: if the only reason to consider an ICHRA is a large per-employee price gap, Nebraska rarely makes that case on its own. Where the model tends to earn its keep for Omaha, Lincoln, and Grand Island employers is elsewhere — a fixed, predictable benefits budget instead of an annual group renewal negotiation, and one consistent benefit for teams that stretch across the Iowa or Kansas line. The estimated savings, where they exist, are a bonus rather than the headline.
Nebraska ICHRA FAQs
How much can employers save with an ICHRA in Nebraska?
Across 46 qualifying Nebraska counties, the 2026 gap between small-group and individual silver coverage averages 12% — up to $2,115 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 Nebraska county has the biggest ICHRA savings?
Arthur County currently shows the widest 2026 spread in Nebraska: individual $896/mo vs small group $1,072/mo — about 16.4% ($2,115/employee/year, estimated).
Does every Nebraska county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 46 in Nebraska 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 Nebraska 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.
Is an ICHRA still worth considering in Nebraska if the savings numbers are small?
Sometimes, but for different reasons than price. In 2026 plan-year data, no Nebraska county shows an estimated gap above $200 per employee per month, so a savings-first pitch usually isn't decisive here. Employers who adopt an ICHRA in Nebraska more often do it for budget control — setting a fixed monthly contribution instead of absorbing group renewal increases — or to cover employees across multiple states with one arrangement. Whether that trade-off works depends on your renewal history and workforce.
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