The ICHRA blog — page 3
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
ICHRA in Augusta, Georgia 2026: Richmond County 34%
Richmond County's 2026 benchmark runs an estimated 34% below small group, about $4,370 per employee a year. See the Augusta, Georgia data, sourced.
For EmployersICHRA in Newark, Ohio 2026: Licking County 59.6%
Licking County's 2026 benchmark runs an estimated 59.6% below small group, near Intel's $28B Ohio mega-site. See the county data, sourced.
For EmployersICHRA in Youngstown, Ohio 2026: Mahoning County 58.9%
Mahoning County's 2026 benchmark runs an estimated 58.9% below small group, about $9,398 per employee a year. See the Youngstown, Ohio data, sourced.
For EmployersICHRA in Toledo, Ohio 2026: Lucas County 57%
Lucas County's 2026 benchmark runs an estimated 57% below small group, about $9,514 per employee a year. See the Toledo, Ohio data, sourced.
For EmployersICHRA in Macon, Georgia 2026: Bibb County 44.3%
Bibb County's 2026 benchmark runs an estimated 44.3% below small group, about $6,389 per employee a year. See the Macon, Georgia data, sourced.
For EmployersICHRA in Maryland 2026: Rural Counties Win, Suburbs Barely
All 24 Maryland counties beat small group with ICHRA in 2026, from 26.4% on the Shore to a marginal 16.4% near DC. See the county data, sourced.
For EmployersICHRA in Dayton, Ohio 2026: Montgomery County 58.3%
Montgomery County's 2026 benchmark runs an estimated 58.3% below small group, about $10,014 per employee a year. See the Dayton data, sourced.
For EmployersICHRA in Cleveland, Ohio 2026: Cuyahoga County 48.6%
Cuyahoga County's 2026 benchmark runs an estimated 48.6% below small group, about $7,414 per employee a year. See the Cleveland data, sourced.
For EmployersICHRA in California 2026: 8 Counties, No Savings
California's individual market has closed the cost gap in the 8 counties we checked. See the 2026 data, the 2027 rate filings, and what employers should do.
EligibilityICHRA for Business Owners: Who Qualifies in 2026
S-corp owners over 2%, partners, and sole proprietors generally can't use their own ICHRA tax-free under IRS rules. See who can, and the 2026 fix.
For EmployersICHRA State Tax Credits 2026: Indiana and Mississippi Pay
Indiana and Mississippi pay small employers up to $400 per employee to offer an ICHRA in 2026. See the rules, the caps, and where our county data agrees.
SetupICHRA Substantiation: The 2026 Proof-of-Coverage Rules
Every ICHRA reimbursement needs proof of coverage or it can become taxable income. See the two federal rules and the 2026 IRS penalty for skipping them.
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