ICHRA savings in Pennsylvania
40 Pennsylvania counties price individual coverage below small group. Employers there save up to $2,852 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Pennsylvania counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Berks County | $616 | $853 | 27.9% | $2,852 |
| Lancaster County | $616 | $846 | 27.2% | $2,765 |
| Clinton County | $627 | $763 | 17.7% | $1,625 |
| Lycoming County | $627 | $763 | 17.7% | $1,625 |
| Tioga County | $627 | $763 | 17.7% | $1,625 |
| Carbon County | $674 | $753 | 10.5% | $947 |
| Monroe County | $674 | $753 | 10.5% | $947 |
| McKean County | $493 | $545 | 9.5% | $619 |
| Venango County | $493 | $545 | 9.5% | $619 |
| Bucks County | $529 | $584 | 9.4% | $660 |
| Chester County | $529 | $584 | 9.4% | $660 |
| Delaware County | $529 | $584 | 9.4% | $660 |
Showing top 12 of 40 qualifying Pennsylvania counties. Explore them all on the interactive map.
Pennsylvania county savings pages
Every Pennsylvania county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Berks County 27.9%
- Lancaster County 27.2%
- Clinton County 17.7%
- Lycoming County 17.7%
- Tioga County 17.7%
The Pennsylvania picture
Pennsylvania's map is uneven in an instructive way. Forty counties qualify in 2026 plan-year data, but only two show an estimated gap above $200 per employee per month — and the widest, Berks County, comes in at an estimated $238 (about 27.9%). Notably, most of the Philadelphia and Pittsburgh metro counties do not qualify at all. As separate news, insurers have filed for an average 17.1% individual-market increase for 2027; those proposed rates sit outside every estimate on this page.
If your company is based in Reading or elsewhere in Berks County, you're in the state's clearest opportunity zone — an estimated $238 per employee per month is real money across even a 15-person team. Employers in the big-city metros face a different calculus, since the individual market there generally doesn't underprice small group. Companies like yours in the qualifying mid-state and rural counties could see a worthwhile difference; the county lookup below tells you which side of that line you're on.
Pennsylvania ICHRA FAQs
How much can employers save with an ICHRA in Pennsylvania?
Across 40 qualifying Pennsylvania counties, the 2026 gap between small-group and individual silver coverage averages 8% — up to $2,852 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 Pennsylvania county has the biggest ICHRA savings?
Berks County currently shows the widest 2026 spread in Pennsylvania: individual $616/mo vs small group $853/mo — about 27.9% ($2,852/employee/year, estimated).
Does every Pennsylvania county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 40 in Pennsylvania 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 Pennsylvania 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 don't Philadelphia and Pittsburgh show ICHRA savings when Berks County does?
Individual and small-group plans are priced by rating area, and in 2026 plan-year data the individual market in most Philadelphia and Pittsburgh metro counties is not priced below small group — so those counties don't qualify on a savings basis. Berks County is the outlier, with an estimated $238 per employee per month gap (about 27.9%) at the lowest-cost silver, age-50 benchmark. It comes down to how insurers priced each rating area, which is why checking your specific county matters more in Pennsylvania than in most states.
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