The ICHRA blog — page 7
Clear, data-backed guides to help employers and employees get the most from an Individual Coverage HRA.
ICHRA in Florida 2026: Why Zero Counties Qualify
Florida individual premiums now cost more than small group statewide, so zero counties qualify for ICHRA savings in 2026. See the FLOIR data behind the flip.
For EmployersICHRA in Texas 2026: Why Only Two Counties Qualify
Texas has 16 ACA insurers, more than any state, yet only 2 of 254 counties beat small group for ICHRA in 2026. See why, and what employers should do.
For EmployersICHRA in Georgia 2026: 130 Counties Where It Wins
ICHRA beats small-group coverage in 130 Georgia counties for 2026, covering 4.5 million people, though not yet in metro Atlanta. See the county data and why.
For EmployersACA Subsidy Cliff 2026: What Employers Must Know
Enhanced ACA subsidies expired, and the 400% FPL cliff is back for 2026. Here is what small employers need to know about premiums, income limits and ICHRA.
ComparisonICHRA vs Small Group 2026: The Employer Decision
A step-by-step framework for employers weighing an ICHRA against renewing small-group coverage — what drives the answer and the traps that sink a rollout.
SetupHow to Set Up an ICHRA Plan: A Step-by-Step Timeline
The full ICHRA setup timeline — plan design, the required 90-day employee notice, open enrollment, and the first tax-free reimbursement.
For EmployersTop 5 ICHRA Benefits for Small Businesses in 2026
From predictable budgets to tax-free reimbursements and easier multi-state hiring — the five reasons small employers are switching to ICHRA.
ComparisonICHRA vs Traditional Group Insurance, Side by Side
Cost control, employee choice, admin burden, and multi-state coverage — how an ICHRA compares head-to-head with a traditional small-group plan.
EligibilityICHRA Eligibility: Who Qualifies to Offer and Enroll
Employer eligibility, employee classes, and the rules that decide who can offer and enroll in an ICHRA — plus the affordability test that affects subsidies.
ICHRA BasicsWhat Is ICHRA? The Complete 2026 Guide for Employers
A plain-English guide to the Individual Coverage HRA: how it works, IRS rules, who qualifies, and why it now beats small-group coverage in 1,309 US counties.
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