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