The ICHRA blog
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
ICHRA and Medicare: What Changes for 2027
A Medicare-eligible employee can use ICHRA funds, but the rules are specific. See how it works for 2026 and what a new CMS rule ends starting in 2027.
For EmployersICHRA in South Carolina 2026: Greenwood Wins, York Lags
South Carolina rates rose an estimated 21% for 2026. See which of its 46 counties beat small group with an ICHRA estimate, and why York County barely moves.
SetupHow the ICHRA Special Enrollment Period Works
Offering an ICHRA opens a federal 60-day enrollment window under 45 CFR 155.420. See how it works, with a worked 2026 example and sourced county data.
ComparisonICHRA vs Health Stipend: The 2026 Tax Math
A taxable health stipend loses money to payroll tax before it buys coverage. See the 2026 IRS math against a compliant, tax-free ICHRA, sourced this year.
For EmployersOhio vs Georgia ICHRA 2026: 100% vs 42%
Every one of Ohio’s 88 counties clears the $200/employee/month bar for 2026. In Georgia only about 42% of the population does, and metro Atlanta sits at roughly $98. Same rules, opposite answers.
For EmployersWhy 9 Ohio Counties Pay the Exact Same Premium
Ohio prices health insurance by rating area, not by county, so its 88 counties resolve to 37 premium tables for 2026. Columbus and Fayette County are quoted the same figures to the cent.
SetupICHRA for 2027: Your Notice Deadline Is October 3
Planning an ICHRA for January 1, 2027? Federal law requires notice at least 90 days before the plan year starts: October 3, 2026. See the math and calendar.
For EmployersICHRA in Missouri 2026: Every County Qualifies
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 EmployersICHRA Administration Cost in 2026: What Employers Pay
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 EmployersICHRA in Indiana 2026: Indy Wins, Fort Wayne Doesn't
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.
ICHRA BasicsIs ICHRA Becoming CHOICE? What Changed for 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.
For EmployersICHRA in Colorado 2026: Mountains Win, Denver Barely
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.
From reading to results
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