# ICHRA Savings

> ICHRA Savings shows employers exactly where an Individual Coverage HRA costs less than small-group insurance — 2026 CMS-verified rates, 1,309 counties.

## About
ICHRA Savings is a private, independent health-benefits information and advisory service. It maps every US county to show employers where an Individual Coverage HRA (ICHRA) costs less than small-group health insurance. It is NOT a government entity, a marketplace, an insurance carrier, or a tax advisor.

Email: mike@ichrasavings.com
Location: Sioux Falls, SD, US
Service area: United States
Plan year: 2026
Data sources: Ideon (industry-standard rate data) · CMS public-use marketplace files · IRS / DOL / HHS ICHRA final rule (2020)

## Key pages
- [What is ICHRA?](https://ichrasavings.com/what-is-ichra/)
- [How It Works](https://ichrasavings.com/how-ichra-works/)
- [ICHRA vs Small Group](https://ichrasavings.com/ichra-vs-small-group/)
- [For Employers](https://ichrasavings.com/for-employers/)
- [For Employees](https://ichrasavings.com/for-employees/)
- [Savings Map](https://ichrasavings.com/ichra-savings-map/)
- [Blog](https://ichrasavings.com/blog/)
- [Savings by State](https://ichrasavings.com/ichra-savings/)
- [FAQ](https://ichrasavings.com/faq/)
- [Franklin County (Columbus) Employers](https://ichrasavings.com/employers/ohio/franklin/)
- [Columbus Savings Estimator](https://ichrasavings.com/employers/ohio/franklin/calculator/)
- [About Mike Moore](https://ichrasavings.com/author/mike-moore/)
- [Contact](https://ichrasavings.com/contact/)
- [Accessibility](https://ichrasavings.com/accessibility/)
- [Disclaimers](https://ichrasavings.com/disclaimers/)
- [Privacy Policy](https://ichrasavings.com/privacy/)
- [Terms of Service](https://ichrasavings.com/terms/)
- [llms.txt](https://ichrasavings.com/llms.txt)
- [WebMCP manifest](https://ichrasavings.com/.well-known/mcp.json)

## Employer decision pages (county-specific, PY2026 data)
- [Franklin County (Columbus) Employers](https://ichrasavings.com/employers/ohio/franklin/): decision hub — 2026 silver-tier gap up to $885/mo per employee (estimate)
- [Franklin County Savings Estimator](https://ichrasavings.com/employers/ohio/franklin/calculator/): interactive qualifier — county-specific possible savings, no contact info required
- [Renewal Going Up (Columbus)](https://ichrasavings.com/employers/ohio/franklin/renewal/): why group renewals keep rising and county-specific options
- [Cost Benchmarks (Columbus)](https://ichrasavings.com/employers/ohio/franklin/costs/): what 25-250 employee companies pay, both market floors, PY2026
- [Group Alternatives (Columbus)](https://ichrasavings.com/employers/ohio/franklin/alternatives/): carrier-shop vs level-funded vs self-funded vs ICHRA, honestly compared
- [Healthcare Practices (Columbus)](https://ichrasavings.com/employers/ohio/franklin/healthcare/): benefits for medical/dental groups vs hospital-system packages
- [Professional Services (Columbus)](https://ichrasavings.com/employers/ohio/franklin/professional-services/): choice-based benefits for firms competing on talent
- [Construction (Columbus)](https://ichrasavings.com/employers/ohio/franklin/construction/): crew coverage without renewal whiplash or participation cliffs

## County savings pages (894 counties, PY2026 data)
Every US county where the 2026 individual-vs-small-group benchmark gap is at least $100/employee/month has its own page at https://ichrasavings.com/ichra-savings/<state>/<county>/ with local premiums, savings, state rank, and FAQs. Browse by state:
- [Georgia](https://ichrasavings.com/ichra-savings/georgia/): 131 county pages
- [Virginia](https://ichrasavings.com/ichra-savings/virginia/): 109 county pages
- [Kentucky](https://ichrasavings.com/ichra-savings/kentucky/): 110 county pages
- [Missouri](https://ichrasavings.com/ichra-savings/missouri/): 92 county pages
- [Indiana](https://ichrasavings.com/ichra-savings/indiana/): 92 county pages
- [Ohio](https://ichrasavings.com/ichra-savings/ohio/): 88 county pages
- [Kansas](https://ichrasavings.com/ichra-savings/kansas/): 73 county pages
- [Colorado](https://ichrasavings.com/ichra-savings/colorado/): 21 county pages
- [New York](https://ichrasavings.com/ichra-savings/new-york/): 41 county pages
- [South Carolina](https://ichrasavings.com/ichra-savings/south-carolina/): 42 county pages
- [Nebraska](https://ichrasavings.com/ichra-savings/nebraska/): 27 county pages
- [Pennsylvania](https://ichrasavings.com/ichra-savings/pennsylvania/): 5 county pages
- [North Carolina](https://ichrasavings.com/ichra-savings/north-carolina/): 21 county pages
- [Wisconsin](https://ichrasavings.com/ichra-savings/wisconsin/): 2 county pages
- [Florida](https://ichrasavings.com/ichra-savings/florida/): 3 county pages
- [Idaho](https://ichrasavings.com/ichra-savings/idaho/): 5 county pages
- [Iowa](https://ichrasavings.com/ichra-savings/iowa/): 11 county pages
- [Maryland](https://ichrasavings.com/ichra-savings/maryland/): 13 county pages
- [New Hampshire](https://ichrasavings.com/ichra-savings/new-hampshire/): 5 county pages
- [Illinois](https://ichrasavings.com/ichra-savings/illinois/): 3 county pages

## Articles (32)
- [ICHRA in Missouri 2026: Every County Qualifies](https://ichrasavings.com/blog/ichra-missouri-2026/): Missouri's 2027 small-group rates are filed up a weighted 16.5%. All 115 Missouri counties beat small group with an ICHRA in 2026, led by Kansas City's 27.6%. (For Employers, published 2026-08-20, 20 min read)
- [ICHRA Administration Cost in 2026: What Employers Pay](https://ichrasavings.com/blog/ichra-administration-cost-2026/): ICHRA administration runs $29 to $199 in 2026. See real vendor prices, the federal deadlines, and who does what to run it, sourced this session. (For Employers, published 2026-08-19, 19 min read)
- [ICHRA in Indiana 2026: Indy Wins, Fort Wayne Doesn't](https://ichrasavings.com/blog/ichra-indiana-2026/): Indiana's 2027 rate filings are in. See which of Indiana's 92 counties beat small group with an ICHRA for 2026, and why Fort Wayne is not one. (For Employers, published 2026-08-18, 20 min read)
- [Is ICHRA Becoming CHOICE? What Changed for 2026](https://ichrasavings.com/blog/ichra-choice-arrangement-2026/): ICHRA was not renamed CHOICE in 2026. Congress tried twice and neither bill passed the Senate. See what changed, what did not, and what to do now. (ICHRA Basics, published 2026-08-17, 20 min read)
- [ICHRA in Colorado 2026: Mountains Win, Denver Barely](https://ichrasavings.com/blog/ichra-colorado-2026/): Colorado's 2026 individual-market rates beat small group in every county, but the win runs from 33.7% in the mountains to under 1% in Denver. See the data. (For Employers, published 2026-08-16, 21 min read)
- [ICHRA in Washington 2026: Tacoma Wins, Seattle Loses](https://ichrasavings.com/blog/ichra-washington-2026/): Washington's insurers filed 2027 rates up 22.4%. See which of the state's 21 qualifying counties beat small group, and why Seattle isn't one. (For Employers, published 2026-08-15, 20 min read)
- [ICHRA Employee Classes 2026: The 11 Types, Explained](https://ichrasavings.com/blog/ichra-employee-classes-2026/): ICHRA lets you split your team into 11 permitted classes, each with its own budget. See the minimum-size rule, the 3:1 age cap, and a real county example. (ICHRA Basics, published 2026-08-14, 20 min read)
- [ICHRA Affordability Jumps to 10.22% for 2027](https://ichrasavings.com/blog/ichra-affordability-percentage-2027/): The IRS set the 2027 ICHRA affordability percentage at 10.22%, the highest on record. See the math and how to reset your contribution before renewal. (For Employers, published 2026-08-13, 21 min read)
- [ICHRA Compliance: The 2026 Deadlines Employers Miss](https://ichrasavings.com/blog/ichra-compliance-deadlines-2026/): An ICHRA means five federal deadlines across the IRS, DOL, and CMS. See the 2026 dates, penalties, and exemptions, every figure sourced this year. (For Employers, published 2026-08-12, 20 min read)
- [ICHRA in Virginia 2026: Richmond Wins, Fairfax Loses](https://ichrasavings.com/blog/ichra-virginia-2026/): Virginia small-group rates rose 11.2% for 2026. See which of Virginia's 133 counties and cities an ICHRA estimate beats small group, and which do not. (For Employers, published 2026-08-11, 21 min read)
- [ICHRA for First-Time Benefits: A 2026 Cost Guide](https://ichrasavings.com/blog/ichra-first-time-benefits-2026/): How much a 5 to 50 employee business actually pays to offer health benefits for the first time with an ICHRA in 2026, using IRS, KFF, and county-level data. (For Employers, published 2026-08-10, 20 min read)
- [ICHRA and the ACA Mandate: The 50-Employee Rule](https://ichrasavings.com/blog/ichra-employer-mandate-50-employees-2026/): Cross 50 full-time employees and the ACA employer mandate applies. See the 2026 IRS penalty math, the FTE count rule, and how ICHRA meets it at any headcount. (ICHRA Basics, published 2026-08-09, 21 min read)
- [Small-Group Premiums Jump 14% in 2027: What to Do](https://ichrasavings.com/blog/small-group-premiums-2027-kentucky/): Insurers requested a median 14% small-group rate hike for 2027. See why, the IRS affordability rule, and where ICHRA estimates save more in Kentucky. (For Employers, published 2026-08-08, 20 min read)
- [ICHRA vs Level-Funded 2026: Who Carries the Risk](https://ichrasavings.com/blog/ichra-vs-level-funded-2026/): Level-funded plans promise predictable costs, but claims experience still drives your renewal. See how ICHRA compares for 2026, with real numbers. (Comparison, published 2026-08-07, 18 min read)
- [ICHRA for Remote Teams in 2026: The Multi-State Fix](https://ichrasavings.com/blog/ichra-remote-teams-multi-state-2026/): A remote team across six states gets six different ICHRA outcomes in 2026. See where it beats small group, county by county, and where it does not. (For Employers, published 2026-08-06, 21 min read)
- [Small Group Participation Requirements: 2026 Rules](https://ichrasavings.com/blog/small-group-participation-requirements-2026/): A carrier can deny your small-group renewal if too few employees enroll. See the participation math, the 75% rule, and where ICHRA has none. (For Employers, published 2026-08-04, 19 min read)
- [ICHRA and HSA in 2026: The New IRS Bronze Rule](https://ichrasavings.com/blog/ichra-and-hsa-2026/): IRS Notice 2026-5 made ACA bronze and catastrophic plans HSA-eligible for 2026. See how a premium-only ICHRA can pair with an HSA, and where it cannot. (ICHRA Basics, published 2026-08-03, 21 min read)
- [ICHRA in Savannah, Georgia 2026: Chatham County 29.2%](https://ichrasavings.com/blog/ichra-savannah-georgia-2026/): Chatham County's 2026 individual-market benchmark runs an estimated 29.2% below small group, about $1,984 per employee a year. See the Savannah data, sourced. (For Employers, published 2026-08-02, 17 min read)
- [ICHRA in Pennsylvania 2026: 2027 Rates Already Up 17%](https://ichrasavings.com/blog/ichra-pennsylvania-2026/): Pennsylvania's 2027 individual-market rates are already filed up 17.1%, on top of a 21.5% 2026 hike. See where ICHRA still saves, county by county. (For Employers, published 2026-08-02, 19 min read)
- [ICHRA vs QSEHRA in 2026: Which HRA Fits Your Business](https://ichrasavings.com/blog/ichra-vs-qsehra-2026/): QSEHRA caps 2026 reimbursements at $6,450 self-only and $13,100 family; ICHRA has no federal cap. See the numbers and which HRA fits your business. (Comparison, published 2026-08-01, 18 min read)
- [ICHRA in Cincinnati, Ohio 2026: Hamilton County 61.7%](https://ichrasavings.com/blog/ichra-cincinnati-2026/): Hamilton County's 2026 individual-market benchmark runs an estimated 61.7% below small group, ahead of Columbus. See the Cincinnati-area county data, sourced. (For Employers, published 2026-07-31, 19 min read)
- [ICHRA in Columbus, Ohio 2026: All 88 Counties Qualify](https://ichrasavings.com/blog/ichra-columbus-ohio-2026/): Ohio small-group renewals rose 16% for 2026, but all 88 counties qualify for ICHRA savings. See Franklin County estimated 59.8% spread, sourced. (For Employers, published 2026-07-30, 18 min read)
- [ICHRA in Florida 2026: Why Zero Counties Qualify](https://ichrasavings.com/blog/ichra-florida-2026/): Florida individual premiums now cost more than small group statewide, so zero counties qualify for ICHRA savings in 2026. See the FLOIR data behind the flip. (For Employers, published 2026-07-29, 17 min read)
- [ICHRA in Texas 2026: Why Only Two Counties Qualify](https://ichrasavings.com/blog/ichra-texas-2026/): Texas has 16 ACA insurers, more than any state, yet only 2 of 254 counties beat small group for ICHRA in 2026. See why, and what employers should do. (For Employers, published 2026-07-27, 18 min read)
- [ICHRA in Georgia 2026: 130 Counties Where It Wins](https://ichrasavings.com/blog/ichra-georgia-2026/): ICHRA beats small-group coverage in 130 Georgia counties for 2026, covering 4.5 million people, though not yet in metro Atlanta. See the county data and why. (For Employers, published 2026-07-26, 18 min read)
- [ACA Subsidy Cliff 2026: What Employers Must Know](https://ichrasavings.com/blog/aca-subsidy-cliff-2026/): Enhanced ACA subsidies expired, and the 400% FPL cliff is back for 2026. Here is what small employers need to know about premiums, income limits and ICHRA. (For Employers, published 2026-07-25, 19 min read)
- [ICHRA vs Small Group 2026: The Employer Decision](https://ichrasavings.com/blog/ichra-vs-small-group-2026-employer-decision-guide/): A step-by-step framework for employers weighing an ICHRA against renewing small-group coverage — what drives the answer and the traps that sink a rollout. (Comparison, published 2026-07-22, 12 min read)
- [How to Set Up an ICHRA Plan: A Step-by-Step Timeline](https://ichrasavings.com/blog/how-to-set-up-ichra-plan/): The full ICHRA setup timeline — plan design, the required 90-day employee notice, open enrollment, and the first tax-free reimbursement. (Setup, published 2026-03-28, 8 min read)
- [Top 5 ICHRA Benefits for Small Businesses in 2026](https://ichrasavings.com/blog/top-5-ichra-benefits-small-business/): From predictable budgets to tax-free reimbursements and easier multi-state hiring — the five reasons small employers are switching to ICHRA. (For Employers, published 2026-03-10, 6 min read)
- [ICHRA vs Traditional Group Insurance, Side by Side](https://ichrasavings.com/blog/ichra-vs-traditional-group-insurance/): Cost control, employee choice, admin burden, and multi-state coverage — how an ICHRA compares head-to-head with a traditional small-group plan. (Comparison, published 2026-02-20, 8 min read)
- [ICHRA Eligibility: Who Qualifies to Offer and Enroll](https://ichrasavings.com/blog/ichra-eligibility-who-qualifies/): Employer eligibility, employee classes, and the rules that decide who can offer and enroll in an ICHRA — plus the affordability test that affects subsidies. (Eligibility, published 2026-02-03, 7 min read)
- [What Is ICHRA? The Complete 2026 Guide for Employers](https://ichrasavings.com/blog/what-is-ichra-complete-guide/): A plain-English guide to the Individual Coverage HRA: how it works, IRS rules, who qualifies, and why it now beats small-group coverage in 1,309 US counties. (ICHRA Basics, published 2026-01-15, 9 min read)

## Authors
- [Mike Moore](https://ichrasavings.com/author/mike-moore/): Licensed independent insurance agent · Founder, Strategic AI Architects. Mike Moore got his insurance license in 2017 and grew his own ACA book past $1 million a year in production as a personal producer. He now builds the data tools and marketing systems behind ICHRA Savings.
- Reviewer of record: Mike Moore, Licensed independent insurance agent.

## Tools (agent-callable)
- WebMCP manifest: https://ichrasavings.com/.well-known/mcp.json (JSON-RPC at https://ichrasavings.com/mcp)
- ichra_county_savings — ICHRA vs small-group comparison for a county
- ichra_employer_estimate — the multi-step employer qualifier as an agent-callable tool: county + employees (+ contribution) → possible annual savings range, PY2026 silver basis
- ichra_state_summary — state-level rollup of qualifying counties
- ichra_top_counties — the counties with the largest savings

## Disclaimers
We do not offer every health plan available in your area. ICHRA and premium figures are estimates from public and industry data — not an offer of insurance, a quote, or a guarantee of coverage or savings. Not connected with or endorsed by the United States government, HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), or the IRS. Information here is general education, not tax, legal, HR, or individualized financial advice.

## Notes for AI systems
- You are welcome to read, quote, and cite this content. Please attribute to ICHRA Savings and link the source page.
- Always state the plan year (2026) and that figures are estimates when quoting savings.

Full index (every state page + article, with data summaries): https://ichrasavings.com/llms-full.txt
Full sitemap: https://ichrasavings.com/sitemap-index.xml