2026 plan set · illustrative team · modeled, not observed
ICHRA for Georgia accounting firms: what a 10-person firm's numbers look like
The ICHRA itself is federal: a fixed, tax-free monthly allowance each employee uses to buy their own individual plan. What a Georgia firm actually saves depends on the ages on payroll and the plans filed in its county. Below, the free audit's math run on an illustrative 10-person firm in DeKalb County — 10 people at one DeKalb County ZIP (30030), ages 26 to 57 — against the 2026 plan set. Your team's ages and ZIPs will differ, so treat every figure as a labeled illustration, then run your own.
The 10-person firm, in five figures.
An illustrative 10-person firm in DeKalb County; your team's ages and ZIPs will differ.
up to $2,050/mo
up to $24,601/yr
up to — best-case premium savings vs. the KFF 2025 single-coverage average, per month (2026 plan set; modeled, not observed)
$21,087/yr
modeled, not observed
Care-modeled optimal picks — the same team when each member picks the lowest premium plus modeled cost sharing (savings stays premiums-only)
$93,240/yr
Group benchmark the savings are measured against: $777/mo × 10 people (KFF 2025 average, editable in the audit)
130
Plans filed in DeKalb County (2026 plan set)
$0/yr
90th percentile $2,257/yr
Cost of premium-only shopping per person, median (2026 plan set; illustrative profiles)
- 2026 plan set
- modeled, not observed
- illustrative team — your team's ages and ZIPs will differ
The illustrative team, stated plainly.
Every figure above is the free audit's math — the same functions, the same 2026 filed-rate snapshot — run once on a hypothetical firm whose assumptions are listed here so they can be checked. Nothing about this team is a real client, and your team's ages and ZIPs will differ.
Assumption 1
Headcount 10; ages 26, 28, 30, 33, 37, 40, 44, 48, 52, 57.
Assumption 2
One office: ZIP 30030, DeKalb County.
Assumption 3
9 salaried, 1 hourly (90% salaried).
Assumption 4
10 year-round W-2 employees: 9 salaried (CPAs, senior and staff accountants) and 1 hourly office coordinator.
Assumption 5
Busy-season seasonal preparers are excluded from the illustration: 'seasonal employees' is its own permitted ICHRA class (26 CFR 54.9802-4(d)(2)) that a firm may treat separately (offer or no offer).
Assumption 6
Group benchmark: $777 a month per person, the KFF 2025 Employer Health Benefits Survey average for employer single coverage — the audit's editable default, not a quote for any company.
Assumption 7
Illustrative care profiles are assigned deterministically by member index (never real data) and choose each member's modeled pick; they never change the savings figure, which stays premiums-only.
What premium-only shopping costs this team, per person.
For this illustrative team the per-person median is $0: for at least half of the 10 members the lowest-premium plan was also the lowest modeled 12-month total, so a routine year often makes the cheapest plan right. The 90th percentile is still $2,257 a year (40% of members would pay more by premium-shopping) — the cost lands on the managed-condition profiles, not the routine ones (2026 plan set). These are modeled, not observed: each member carries an illustrative care profile whose assumed care flows through every plan's real filed deductible and out-of-pocket maximum under one uniform, labeled rule; plans with missing accumulator data are excluded, never assumed $0.
Full method and the statewide evidence: plan-choice statistics · the True-Cost Score spec.
The questions Georgia accounting firms ask.
What about seasonal preparers we bring on for busy season?
Seasonal employees are their own permitted ICHRA class (26 CFR 54.9802-4(d)(2)), so a firm can offer its year-round staff an allowance and treat seasonal preparers separately — offer them a different allowance, or make no offer at all — as long as the class is drawn on that basis and not on income. Minimum class sizes apply only when a traditional group plan is offered to another class. This illustration counts 10 year-round employees and leaves seasonal staff out.
Our CPAs work 60-hour weeks in March and 30 in July. Does that matter?
Not for the ICHRA itself: the allowance is a fixed monthly amount and does not move with hours. Hours matter only if you draw a full-time versus part-time class line (the federal full-time threshold is 30 hours a week on average); a firm that keeps everyone in one class never has to think about it.
Why is the median cost of premium-only shopping $0 for this team?
Because for at least half of the 10 illustrative members the lowest-premium plan in DeKalb County was also the lowest modeled 12-month total — a routine year often makes the cheapest plan right. The 90th percentile is $2,257 a year: the cost of picking by premium alone lands on the members with a managed condition, which is exactly who the per-member audit is for.
What do "up to" and "modeled" mean here, and are these 2027 numbers?
"up to" is the audit's best-case bound: every one of the 10 illustrative members takes the lowest-premium plan filed in their county at their age (real filed, unsubsidized 2026 rates), compared with the KFF 2025 average cost of employer single coverage ($777 a month per person). "Modeled" is the same team when each member picks the plan with the lowest premium plus modeled cost sharing under an illustrative care profile — $21,087 a year here — and the savings figure stays a premium comparison, not a benefits-equivalence claim. Every dollar is the 2026 plan set; no 2027 premium exists yet. Georgia carriers' filings propose a +20.7% statewide weighted-average increase for the individual market (proposed, not final; Georgia's Insurance Department decides final 2027 rates this fall).
See your firm's own number.
Ages and ZIP codes are all the math needs. Sketch the team or drop any census export; no names, no health information, no signup.
Source: the free audit's math (lib/surely/team-savings + team-audit) on the 2026 filed-rate snapshot snapshot_8827361338bd…, filings as of 2026-06-03; group benchmark $9,325/yr single coverage, KFF 2025 Employer Health Benefits Survey.
Insurf, Inc. is not a licensed insurance agency and does not sell insurance; enrollment support is provided by an individually licensed insurance producer, who may be compensated by carrier commissions when an enrollment occurs — that compensation is disclosed on estimates. Every figure on this page is an illustration modeled from filed public data under labeled assumptions for a hypothetical team: informational only, not a quote, not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Projections are labeled and are not guarantees. Insurf is not affiliated with or endorsed by Georgia Access or any state, state-based marketplace, or insurance regulator; every figure is computed from public government filings.