ICHRA savings in Ray County, MO
In Ray County, individual silver coverage benchmarks at $725/mo versus $847/mo for small group — a gap of about $121 per employee per month, or $1,453 a year.
Last updated: August 17, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets. Estimates, not quotes.
What the gap means at your headcount
Benchmark gap × employees × 12 months. Illustrations only — your contribution design sets the real number.
| Employees | Monthly benchmark gap | Estimated annual gap |
|---|---|---|
| 10 | $1,211 | $14,534 |
| 25 | $3,028 | $36,336 |
| 50 | $6,056 | $72,672 |
| 100 | $12,112 | $145,344 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Ray County vs the Missouri average
| Ray County | Missouri qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $121 | $148 |
| Savings vs small group | 14.3% | 17% |
Ray County sits $27/month under the qualifying-county average for Missouri, but still clears the $100/month bar where an ICHRA analysis is usually worth running. See how the whole state stacks up on the Missouri savings page or the interactive map.
Nearby Missouri counties
How Ray County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Stoddard County | $801 | $939 | 14.7% | $1,654 |
| Wayne County | $801 | $939 | 14.7% | $1,654 |
| Clinton County | $725 | $847 | 14.3% | $1,453 |
| Johnson County | $735 | $847 | 13.2% | $1,343 |
| Lafayette County | $735 | $847 | 13.2% | $1,343 |
| Clark County | $930 | $1,034 | 10% | $1,246 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Ray County (FIPS 29177) across both markets for the same plan year (2026): the individual market side comes from the CMS Marketplace Public Use Files, the small-group side from Ideon's county-level rate data. We never mix plan years, tiers, or geographies. Figures are benchmark estimates — not an offer of insurance, a quote, or a guarantee of savings.
Ray County ICHRA FAQs
How much can employers save with an ICHRA in Ray County, Missouri?
For plan year 2026 the Ray County benchmark gap is about $121 per employee per month — individual silver coverage at $725/mo versus $847/mo for comparable small-group coverage. Over a year that's roughly $1,453 per employee. These are estimates from public and industry benchmark data, not quotes; actual savings depend on your census and contribution design.
What does small-group health insurance cost in Ray County compared to individual plans?
The 2026 small-group benchmark in Ray County is $847/month (lowest-cost silver, age 50) versus $725/month for the same-tier individual-market plan — the individual market prices 14.3% lower. That inversion is exactly what makes an ICHRA work here.
How does Ray County rank for ICHRA savings in Missouri?
Ray County ranks #85 of 92 Missouri counties with a $100+/month benchmark gap. Its $121/month gap is $27 below the Missouri qualifying-county average of $148/month.
Where does this Ray County data come from?
Individual-market premiums come from the CMS Marketplace Public Use Files and small-group benchmarks from Ideon — lowest-cost silver plan, age 50, same county and same plan year (2026) on both sides. Same-year, same-county, same-tier is the only apples-to-apples comparison we publish.
Is an ICHRA the right move for every Ray County employer?
No. The Ray County numbers favor an ICHRA on paper, but the answer depends on your group's ages, current renewal, participation, and contribution strategy. A free analysis models your actual census — and if staying on group coverage is cheaper, it will say so.
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