Compare individual vs small group health insurance premiums in every US county. Green counties = individual is cheaper = ICHRA opportunity.
Compare rates from 2017 through 2026. See how the ICHRA opportunity has grown over time in your area.
Toggle between age 27 and 50, and bronze/silver/gold plans to see how savings change for different employees.
Use the search bar to find your specific county by name, state, or FIPS code. Click any county on the map for details.
Click "Export CSV" to download filtered data for reporting, presentations, or further analysis.
In 2026, 719 US counties have individual health insurance premiums that are at least 20% cheaper than small group plans. That covers over 80 million Americans.
The gap has been widening since 2017. Individual market premiums have stabilized while small group rates continue climbing 10-16% annually in most states. This means the ICHRA opportunity is getting better every year.
Ohio leads with an average savings of 54% across all 88 counties. Franklin County (Columbus) alone represents 1.3 million people who could benefit from employers switching to ICHRA — saving $484/mo per employee.
Georgia, Indiana, Kentucky, and South Carolina are also strong ICHRA markets, with 100% of their counties showing favorable individual-to-group price ratios.
The data is sourced from Ideon (formerly Vericred), the industry-standard API for ACA rate data. We cross-verified individual market rates against CMS Exchange Public Use Files — 75.8% matched to the penny, 94.4% within 10%.
Rate data is sourced from Ideon (formerly Vericred), which aggregates ACA-compliant plan rates from 300+ carriers across both individual and small group markets. We cross-verified individual market rates against CMS Exchange Public Use Files for 2026.
A few states (AK, HI, MS) have incomplete 2026 rate filings — either the individual or small group rate is missing. Switch to 2025 to see those states with full data.
For each county, we show the cheapest available plan at each metal tier. This is the benchmark — actual employee costs may vary based on the specific plan chosen, but the lowest-cost comparison gives the clearest picture of the ICHRA opportunity.
ACA plans use community rating with age bands. Individual market age curves differ from small group rating. Toggle between age 27 and 50 to see how the savings shift for younger vs older employees.
Yes. Use the Export CSV button to download any filtered view. Please credit "ICHRAsavings.com, data from Ideon" when sharing.