What's this white paper about?
This white paper examines the regional cost dynamics of Individual Coverage Health Reimbursement Arrangements (ICHRAs) in comparison to traditional small group health insurance plans. Using Ideon’s 2025 ICHRA Map, it provides a detailed, state-by-state analysis of where ICHRAs offer the greatest savings, and where small group plans may still hold an edge.
The report is designed to help employers, brokers, and benefits consultants determine when and where an ICHRA strategy makes the most financial and strategic sense. It also offers insights into legislative incentives, adoption trends, and the growing role of HRAs in expanding access to healthcare, particularly for small and mid-sized businesses or those with multi-state teams.
This white paper covers:
- Detailed 2025 cost comparisons between ICHRA and small group health plans
- The most ICHRA-friendly states
- County-level variations and mixed-state strategies
- States where small group health plans remain more competitive
- Recent ICHRA growth trends and adoption data (2023–2024)
- FAQs about ICHRA adoption, employee satisfaction, and multi-state strategy
- Legislative and policy updates that incentivize ICHRA adoption
Download the full white paper to discover where ICHRA offers the greatest savings to support smarter health benefit decisions.