Disclaimers

ICHRA Savings publishes educational information and cost analysis about the Individual Coverage Health Reimbursement Arrangement (ICHRA). The following disclaimers apply to all pages, tools, and content on this website.

Government non-affiliation

ICHRA Savings is a private, independent health-benefits information and advisory service. We are not connected with, endorsed by, or affiliated with the U.S. government, HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), the IRS, or any federal or state agency or program. For official guidance, visit HealthCare.gov, IRS.gov, or your state insurance marketplace.

Marketing & plan disclosure (TPMO)

We do not offer every health plan available in your area. Any information we provide is limited to the plans and arrangements we do offer. Rate figures are estimates drawn from public and industry data and are not an offer of insurance, a quote, or a guarantee of coverage or savings. To review all of your options, contact HealthCare.gov, 1-800-318-2596, your state marketplace, or a licensed insurance agent.

Not tax, legal, or HR advice

The information on this site is for general educational purposes only and is not tax, legal, HR, or individualized financial advice. ICHRA rules are set by the IRS, Department of Labor, and HHS and can change. Consult a qualified tax advisor, benefits attorney, or licensed insurance professional before making decisions for your business or household.

Telephone & text consent (TCPA)

By submitting your information or clicking to call/text, you consent to be contacted by ICHRA Savings by phone, text, or email at the number and address provided — including via automated technology — about ICHRA and health-coverage options. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out.

Data & methodology

Savings figures compare the lowest-cost individual-market benchmark premium against small-group benchmark premiums using 2026 plan-year data from Ideon and cross-verified against CMS public-use files. Individual results vary by county, age, plan selection, and carrier participation.

Third-Party Marketing Organization (TPMO) notice

To the extent ICHRA Savings, its team, or affiliated agents market or discuss any Medicare or other insurance products, we act as a Third-Party Marketing Organization. We are not affiliated with, endorsed by, or contracted with the federal Medicare program, the Centers for Medicare & Medicaid Services, or any government agency. We do not offer every plan available in your area. Any information we provide is limited to the plans we offer. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Questions

Questions about these disclaimers? Email mike@ichrasavings.com.