Answers · Ohio & Georgia
Which Ohio counties have the biggest ICHRA savings?
Every Ohio county clears $200 per employee per month at the silver age-50 benchmark for plan year 2026, and led by Morrow County in central Ohio at about $1,010, with a north-west cluster around $964.
Ohio is unusual: 100% of the state's population lives in a county where the lowest-cost individual plan prices at least $200 per employee per month below the lowest-cost small group plan. Very few states look like that.
Among the large employment centres, Hamilton County (Cincinnati) is about $890, Franklin County (Columbus) about $885, Montgomery County (Dayton) about $834, Lucas County (Toledo) about $793, Cuyahoga County (Cleveland) about $618 and Summit County (Akron) about $369.
One thing worth understanding before comparing counties: Ohio sets premiums by rating area, not by county, so 88 counties share only about 30 distinct figures. Nine counties carry the same number as Franklin. What actually differs between them is the employer base, which is why our county pages lead with local employment data rather than pretending the premium is unique.
Last reviewed 2026-08-21. Premium figures are plan year 2026 on both sides of every comparison, from the CMS Marketplace Public Use Files (individual market) and Ideon (small group). Employer counts from BLS QCEW 2024 Q2. All savings figures are ranges and estimates, not quotes or guarantees.
Related questions
Which Ohio county has the largest gap?
Morrow County in central Ohio, at about $1,010 per employee per month at the silver age-50 benchmark for plan year 2026, with a north-west cluster around $964.
What about the big metros?
Cincinnati (Hamilton) is about $890, Columbus (Franklin) about $885, Dayton (Montgomery) about $834, Toledo (Lucas) about $793, Cleveland (Cuyahoga) about $618 and Akron (Summit) about $369.
Why do neighbouring Ohio counties show the same number?
Ohio sets premiums by rating area rather than by county, so its 88 counties carry only about 30 distinct figures. What differs between them is the employer base.