The ICHRA blog — page 6
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
ICHRA for First-Time Benefits: A 2026 Cost Guide
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.
ICHRA BasicsICHRA and the ACA Mandate: The 50-Employee Rule
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.
For EmployersSmall-Group Premiums Jump 14% in 2027: What to Do
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.
ComparisonICHRA vs Level-Funded 2026: Who Carries the Risk
Level-funded plans promise predictable costs, but claims experience still drives your renewal. See how ICHRA compares for 2026, with real numbers.
For EmployersICHRA for Remote Teams in 2026: The Multi-State Fix
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 EmployersSmall Group Participation Requirements: 2026 Rules
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.
ICHRA BasicsICHRA and HSA in 2026: The New IRS Bronze Rule
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.
For EmployersICHRA in Savannah, Georgia 2026: Chatham County 29.2%
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 EmployersICHRA in Pennsylvania 2026: 2027 Rates Already Up 17%
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.
ComparisonICHRA vs QSEHRA in 2026: Which HRA Fits Your Business
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.
For EmployersICHRA in Cincinnati, Ohio 2026: Hamilton County 61.7%
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 EmployersICHRA in Columbus, Ohio 2026: All 88 Counties Qualify
Ohio small-group renewals rose 16% for 2026, but all 88 counties qualify for ICHRA savings. See Franklin County estimated 59.8% spread, sourced.
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