The ICHRA blog — page 5
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
Ohio 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.
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.
For EmployersICHRA in Washington 2026: Tacoma Wins, Seattle Loses
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.
ICHRA BasicsICHRA Employee Classes 2026: The 11 Types, Explained
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.
For EmployersICHRA Affordability Jumps to 10.22% for 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 EmployersICHRA Compliance: The 2026 Deadlines Employers Miss
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 EmployersICHRA in Virginia 2026: Richmond Wins, Fairfax Loses
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.
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