ICHRA savings in Ohio
88 Ohio counties price individual coverage below small group. Employers there save up to $12,121 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Ohio counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Erie County | $545 | $1,474 | 63% | $11,145 |
| Huron County | $545 | $1,474 | 63% | $11,145 |
| Ottawa County | $545 | $1,474 | 63% | $11,145 |
| Sandusky County | $545 | $1,474 | 63% | $11,145 |
| Seneca County | $545 | $1,474 | 63% | $11,145 |
| Wyandot County | $545 | $1,474 | 63% | $11,145 |
| Morrow County | $602 | $1,612 | 62.7% | $12,121 |
| Butler County | $538 | $1,427 | 62.3% | $10,675 |
| Hamilton County | $538 | $1,427 | 62.3% | $10,675 |
| Warren County | $538 | $1,427 | 62.3% | $10,675 |
| Brown County | $553 | $1,418 | 61% | $10,388 |
| Clermont County | $553 | $1,418 | 61% | $10,388 |
Showing top 12 of 88 qualifying Ohio counties. Explore them all on the interactive map.
Ohio county savings pages
Every Ohio county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Erie County 63%
- Huron County 63%
- Ottawa County 63%
- Sandusky County 63%
- Seneca County 63%
- Wyandot County 63%
- Morrow County 62.7%
- Butler County 62.3%
- Hamilton County 62.3%
- Warren County 62.3%
- Brown County 61%
- Clermont County 61%
- Clinton County 61%
- Highland County 61%
- Allen County 60.4%
- Auglaize County 60.4%
- Hancock County 60.4%
- Hardin County 60.4%
- Mercer County 60.4%
- Paulding County 60.4%
- Putnam County 60.4%
- Van Wert County 60.4%
- Delaware County 59.6%
- Fairfield County 59.6%
- Fayette County 59.6%
- Franklin County 59.6%
- Licking County 59.6%
- Logan County 59.6%
- Madison County 59.6%
- Pickaway County 59.6%
- Union County 59.6%
- Columbiana County 58.9%
- Mahoning County 58.9%
- Trumbull County 58.9%
- Champaign County 58.3%
- Clark County 58.3%
- Darke County 58.3%
- Greene County 58.3%
- Miami County 58.3%
- Montgomery County 58.3%
- Preble County 58.3%
- Shelby County 58.3%
- Belmont County 57.7%
- Harrison County 57.7%
- Jefferson County 57.7%
- Monroe County 57.7%
- Morgan County 57.7%
- Noble County 57.7%
- Perry County 57.7%
- Defiance County 57%
- Fulton County 57%
- Henry County 57%
- Lucas County 57%
- Williams County 57%
- Wood County 57%
- Ashland County 56.4%
- Adams County 56.2%
- Coshocton County 55.2%
- Hocking County 53.4%
- Vinton County 53.4%
- Lorain County 52.5%
- Crawford County 52.3%
- Richland County 52.3%
- Marion County 51.5%
- Jackson County 51.3%
- Pike County 51.3%
- Ross County 51.3%
- Scioto County 51.3%
- Cuyahoga County 48.6%
- Geauga County 48.6%
- Lake County 48.6%
- Carroll County 48.6%
- Knox County 48.3%
- Ashtabula County 47.8%
- Holmes County 46.1%
- Wayne County 46.1%
- Guernsey County 42.3%
- Muskingum County 42.3%
- Tuscarawas County 42.3%
- Stark County 41.1%
- Gallia County 40.8%
- Lawrence County 40.7%
- Athens County 39%
- Meigs County 39%
- Washington County 39%
- Medina County 38.8%
- Portage County 38.8%
- Summit County 38.8%
The Ohio picture
No state on our 2026 map looks like Ohio. Every one of its 88 qualifying counties shows an estimated gap above $200 per employee per month, and the top of the range is extraordinary: rural Morrow County posts an estimated $1,010 monthly spread — about 62.7% below comparable small-group pricing. The big metros are not far behind, with Franklin County (Columbus) at an estimated $885, Hamilton County (Cincinnati) around $890, Montgomery County (Dayton) near $834, and Cuyahoga County (Cleveland) at roughly $618. Ohio's filed 2027 individual-market increases average a proposed 10.7% — on the lower end nationally, and noted here only as context.
In most states the ICHRA question is where the math works; in Ohio it's closer to how much. A 25-person Columbus firm looking at Franklin County's estimated $885 monthly gap is weighing a potential six-figure annual difference — estimated, and dependent on its own census and plan choices, but large enough that skipping the comparison at renewal is hard to justify. We maintain dedicated Franklin County employer pages at /employers/ohio/franklin/ for Columbus-area companies that want the full local breakdown.
Ohio ICHRA FAQs
How much can employers save with an ICHRA in Ohio?
Across 88 qualifying Ohio counties, the 2026 gap between small-group and individual silver coverage averages 55% — up to $12,121 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 Ohio county has the biggest ICHRA savings?
Erie County currently shows the widest 2026 spread in Ohio: individual $545/mo vs small group $1,474/mo — about 63% ($11,145/employee/year, estimated).
Does every Ohio county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 88 in Ohio 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 Ohio 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 is the gap between group and individual health insurance prices so large in Ohio?
Ohio's individual market is unusually competitive — many counties have several carriers pricing aggressive silver plans — while small-group rates have kept climbing, so on 2026 data all 88 qualifying counties show an estimated gap above $200 per employee per month. The effect peaks in Morrow County at an estimated $1,010 monthly (about 62.7%), but it holds in Columbus, Cincinnati, Dayton, and Cleveland too. These are estimates from plan-year-2026 filings, and any employer's actual result depends on its workforce's ages and locations.
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