# ICHRA Savings

> ICHRA Savings maps every US county to show employers exactly where an Individual Coverage HRA (ICHRA) costs less than small-group health insurance. Using 2026 plan-year data from Ideon, cross-verified against CMS public-use files, we identify 719 counties across 18 states where individual-market premiums beat small-group rates — saving employers up to $6,561 per employee per year. Educational and advisory; not affiliated with any government agency. Figures are estimates.

## Key pages
- [Home](https://ichrasavings.com/): the opportunity at a glance — 719 counties, 18 states, up to 62% savings.
- [What is ICHRA?](https://ichrasavings.com/what-is-ichra/): definition, IRS/DOL/HHS history (effective Jan 1 2020), how reimbursement works, ICHRA vs group comparison.
- [How ICHRA Works](https://ichrasavings.com/how-ichra-works/): the three steps, tax benefits (100% deductible, $0 FICA), and the setup timeline including the required 90-day notice.
- [ICHRA vs Small Group](https://ichrasavings.com/ichra-vs-small-group/): head-to-head comparison plus an interactive savings calculator.
- [For Employers](https://ichrasavings.com/for-employers/): cost control, tax advantages, talent, multi-state teams, employee classes.
- [For Employees](https://ichrasavings.com/for-employees/): plan choice, tax-free allowance, portability, how to enroll.
- [ICHRA Savings Map](https://ichrasavings.com/ichra-savings-map/): searchable, filterable explorer of all 719 qualifying counties (individual vs small-group premium, % and $ savings).
- [Savings by State](https://ichrasavings.com/ichra-savings/): per-state rollups; each state page lists its top counties.
- [FAQ](https://ichrasavings.com/faq/): eligibility, savings, taxes, employee choice, setup and administration.
- [Blog](https://ichrasavings.com/blog/): guides on ICHRA basics, eligibility, comparison, benefits, and setup.
- [Contact](https://ichrasavings.com/contact/): request a free, no-obligation ICHRA savings analysis.

## Data
- Source: Ideon (industry-standard individual + small-group rate data), 2026 plan year, cross-verified against CMS public-use marketplace files.
- Coverage: 3,025 US counties analyzed; 719 counties across 18 states qualify (individual < small group by 20%+).
- Key figures: max annual savings $6,561/employee (Morrow County, OH, 62.3%); ~80M Americans live in qualifying counties.
- County dataset (individual premium, small-group premium, % savings, annual savings, population) is surfaced on the Savings Map and each state page.
- Estimates only; actual premiums vary by county, age, plan, and carrier. Verify with a licensed agent and HealthCare.gov / IRS.gov before deciding.

## Tools (agent-callable)
- [WebMCP manifest](https://ichrasavings.com/.well-known/mcp.json): callable tools + endpoint.
- [MCP endpoint](https://ichrasavings.com/mcp): JSON-RPC 2.0 (initialize, tools/list, tools/call).
- `ichra_county_savings`: look up ICHRA vs small-group savings for a US county (individual premium, small-group premium, % and $ annual savings).
- `ichra_state_summary`: summarize qualifying counties and average/max savings for a US state.

## Compliance
- ICHRA Savings is independent and educational; not affiliated with or endorsed by the U.S. government, HealthCare.gov, CMS, or the IRS.
- Not tax, legal, HR, or individualized financial advice. Consult a qualified professional.
- To the extent Medicare or other insurance products are discussed, standard TPMO and non-affiliation disclaimers apply — see https://ichrasavings.com/disclaimers/.