Explore which states and counties are primed for ICHRA adoption
The 2026 ICHRA Map is here! (View the interactive tool)
Each year, Ideon’s ICHRA map tracks where individual market premiums are lower than (or equal to) small-group premiums — a key signal of ICHRA viability across the U.S. And for 2026, the landscape is shifting:
2025 → 2026 market snapshot
Number of states where the lowest-cost individual plans ≤ small-group, by metal level:
- 🥉 Bronze: 30 → 25
- 🥈 Silver: 21 → 18
- 🥇 Gold: 21 → 17
Percentage of counties where the lowest-cost individual plans ≤ small-group, by metal level:
- 🥉 Bronze: 59.9% → 54.0%
- 🥈 Silver: 49.9% → 43.9%
- 🥇 Gold: 50.6% → 42.0%
But it’s not all about premiums…
ICHRA adoption continues to grow as employers lean into choice, portability, and personalized benefits — especially in markets where individual coverage remains strong or where off-exchange plan options offset cost trends. And despite premium fluctuations, the ICHRA ecosystem continues to accelerate at a record pace:
- 🚀 About 40 ICHRA platforms now use Ideon’s APIs to power quoting and plan selection — including 14 new platforms this year alone.
- 📈 ICHRA quoting volume is up ~120% year over year via the IdeonQuote API.
Explore Ideon’s 2026 ICHRA map here: 2026 ICHRA Insights, powered by Ideon
