Positive modeled headroom remains after selected fees.
The ICHRA Shop™ 2027 Market Intelligence
Know the market.
See what survives the fees.
A rate increase alone does not reveal ICHRA opportunity. Compare individual and small-group trend, then test whether administration, broker and implementation costs consume the advantage.
National snapshot
Geography creates opportunity. Fees determine survival.
These counts recalculate using the fee assumptions in the state explorer below.
Rate headroom exists, but the selected costs absorb it.
Individual trend is already higher than small group.
All 50 states plus the District of Columbia.
Interactive market lab
Test the spread—and the squeeze.
Use an illustrative premium benchmark to translate percentage-point spread into PEPM headroom. This is a planning model, not a statewide premium quote.
Market lens
Individual trend—
Small-group trend—
SG − IND spread—
Trend headroom PEPM—
Selected fees PEPM—
Net after fees PEPM—
Employer economics calculator
How much of the ICHRA savings actually survives the fees?
Compare a current group premium with an individual-market benchmark, then subtract platform, broker and implementation costs.
National comparison
Every market, one decision lens.
Sort and filter the current snapshot. Unavailable data remains unavailable—it is never estimated.
| Market | IND trend | SG trend | SG − IND | Headroom PEPM | Selected fees | Carriers | Status | Fee test |
|---|
“Headroom” converts the percentage-point spread using the selected illustrative premium benchmark. “Selected fees” includes administration, broker and amortized implementation assumptions from the state explorer.
What a market report adds
Rates are the beginning—not the recommendation.
The paid report turns public filing data into a decision-ready local analysis.
Rate movement
Individual versus small-group trend, carrier changes and rating-area variation.
Market structure
Carrier competition, plan availability, network access and geographic concentration.
ICHRA economics
Fee-adjusted opportunity, contribution pressure, affordability and participation.
Market Score
A consistent framework combining trend, spread, competition, networks and availability.
Source and status discipline
Current public filing snapshot reviewed September 20, 2026. “Final” indicates the individual-market figure is approved; a small-group figure may still be preliminary. Values should be verified against the applicable filing before a final recommendation.
Choose the depth
Start with market intelligence. Add employer risk when the decision demands it.
$500Market Intelligence Report
One market, filing sources, IND vs. SG comparison, carrier landscape, Market Score and fee-adjusted opportunity.
Order a market reportFrom $5,000Predictive Risk Intelligence
Add aggregate, de-identified claims and Rx intelligence to compare ICHRA, group, level-funded, self-funded or class strategies.
Explore predictive risk