89% of Employees Say Their ICHRA Coverage Is Better Than Their Prior Group Plan

“I hate my employer’s one size fits all health plan! I want an ICHRA!”

SOURCE: The State of ICHRA 2026 Report

Key Findings:

  • 56% of brokers are now actively recommending or implementing ICHRA
  • 94% of employers have explored alternative cost-containment strategies
  • 15.5% average estimated savings reported by brokers
  • 89% of employees said their ICHRA coverage was better than their prior group plan

An estimated 1 million people are enrolled in an ICHRA today, with 49% growth among employers with 100-199 employees and  31% growth among employers with 200+ employees.

About ICHRA

An ICHRA is a compliant alternative to fully insured and self-funded group health insurance models. Employers provide pre-tax contributions for employees to purchase the health plan of their choice on the individual market. Employers set a budget, and employees choose the coverage that best fits their needs, providers, and location.

ICHRA: For Employers Who Are Not Going To Take It Anymore

For companies tired of never ending rate increases and all the time and effort required to provide health insurance for valued employees.

For companies tired of dealing with renewals every year taking time from core business activities.

For companies that value cost-savings and long term budget predictability while giving plan members more choices than they have ever had before