ICHRA savings in Wisconsin
35 Wisconsin counties price individual coverage below small group. Employers there save up to $1,551 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Wisconsin counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Kenosha County | $705 | $834 | 15.5% | $1,551 |
| Racine County | $705 | $834 | 15.5% | $1,551 |
| Brown County | $639 | $731 | 12.6% | $1,105 |
| Door County | $639 | $731 | 12.6% | $1,105 |
| Kewaunee County | $639 | $731 | 12.6% | $1,105 |
| Manitowoc County | $639 | $731 | 12.6% | $1,105 |
| Marinette County | $639 | $731 | 12.6% | $1,105 |
| Oconto County | $639 | $731 | 12.6% | $1,105 |
| Shawano County | $639 | $731 | 12.6% | $1,105 |
| Calumet County | $640 | $723 | 11.5% | $1,001 |
| Outagamie County | $640 | $723 | 11.5% | $1,001 |
| Sheboygan County | $640 | $723 | 11.5% | $1,001 |
Showing top 12 of 35 qualifying Wisconsin counties. Explore them all on the interactive map.
Wisconsin county savings pages
Every Wisconsin county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Kenosha County 15.5%
- Racine County 15.5%
The Wisconsin picture
Wisconsin's individual market prices below small group in 35 counties in 2026 plan-year data, but nowhere by a wide margin: Kenosha County leads with an estimated $129 per employee per month (about 15.5%), and no county reaches $200. One item worth watching as news — insurers have filed for an average 21.1% individual-market increase for 2027. Those are proposed rates under review and are not included in any estimate on this page.
An honest read for Wisconsin employers: the estimated per-employee gaps here, even in Kenosha along the Illinois line, are modest enough that pure savings seldom justifies switching on its own. Where Milwaukee, Madison, and Fox Valley companies find the model compelling is in the structure — capping the benefits line item at a number you choose, and letting employees on Wisconsin's carrier-diverse individual market pick plans that fit them. If a company like yours is weighing an ICHRA here, run the numbers as one input, not the verdict.
Wisconsin ICHRA FAQs
How much can employers save with an ICHRA in Wisconsin?
Across 35 qualifying Wisconsin counties, the 2026 gap between small-group and individual silver coverage averages 8% — up to $1,551 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 Wisconsin county has the biggest ICHRA savings?
Kenosha County currently shows the widest 2026 spread in Wisconsin: individual $705/mo vs small group $834/mo — about 15.5% ($1,551/employee/year, estimated).
Does every Wisconsin county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 35 in Wisconsin 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 Wisconsin 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.
Does Kenosha County's location near Chicago affect its ICHRA numbers for Wisconsin employers?
Kenosha shows Wisconsin's widest estimated gap in 2026 plan-year data — about $129 per employee per month (roughly 15.5%) at the lowest-cost silver, age-50 benchmark — but that reflects how insurers priced its Wisconsin rating area, not Illinois pricing. For employers with staff on both sides of the state line, that cross-border workforce is often the stronger ICHRA argument anyway: one arrangement can fund employees in both states, each buying coverage in their own home market. The savings estimate itself is modest and varies with your team's makeup.
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