2026 plan set · illustrative team · modeled, not observed
ICHRA for Georgia architecture & engineering firms: what an 18-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 18-person firm in Cobb and Fulton County — 10 in Cobb County (30060) and 8 in Fulton County (30303), ages 26 to 59 — 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 18-person firm, in five figures.
An illustrative 18-person firm in Cobb and Fulton County; your team's ages and ZIPs will differ.
up to $3,637/mo
up to $43,644/yr
up to — best-case premium savings vs. the KFF 2025 single-coverage average, per month (2026 plan set; modeled, not observed)
$37,288/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)
$167,832/yr
Group benchmark the savings are measured against: $777/mo × 18 people (KFF 2025 average, editable in the audit)
115 + 132
115 in Cobb · 132 in Fulton
Plans filed per office county (2026 plan set)
$0/yr
90th percentile $2,509/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 18; ages 26, 27, 29, 30, 32, 33, 35, 36, 38, 40, 42, 43, 45, 47, 49, 51, 54, 59.
Assumption 2
Two offices: ZIP 30060, Cobb County (10 people); ZIP 30303, Fulton County (8 people). Each office is priced at its own county's filed plans and the two are summed.
Assumption 3
16 salaried, 2 hourly (89% salaried).
Assumption 4
18 W-2 employees across two offices: 10 in Marietta (Cobb County) and 8 in downtown Atlanta (Fulton County). Each office is priced at its own county's filed plans and the two are summed — the per-employee-county application of the audit's math (the public /audit prices a whole team at the first ZIP that prices).
Assumption 5
16 salaried (licensed architects, engineers, designers, project managers) and 2 hourly (drafting support, front desk).
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 18 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 $2,509 a year (39% 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 architecture & engineering firms ask.
We have a Marietta office and an Atlanta office. Do two ZIPs mean two budgets?
Possibly two plan sets, not necessarily two prices. Georgia premiums are set per federal rating area, and both Cobb and Fulton County sit in the same one, so the same plan carries the same premium in both offices; plan service areas are county-scoped, though, so the two offices see different lineups (115 plans filed in Cobb, 132 in Fulton). The audit prices each employee where they live. Geographic rating area is also a permitted class basis, so a firm with an office in a different rating area can set a different allowance there.
Are licensed architects and engineers a different class from drafting support?
Only if the line is drawn on a permitted basis. "Salaried" versus "hourly (non-salaried)" is permitted; "licensed" versus "unlicensed" and job title are not. This illustration has 16 salaried and 2 hourly employees; the savings math is the same either way, and the class question only decides who is offered what.
How was the 18-person figure computed across two offices?
Each office was priced with the same function the free audit runs — 10 people at a Cobb County ZIP and 8 at a Fulton County ZIP — and the two results were summed: $10,349 a month at the lowest-premium plan each against the $777-a-month group average per person, or up to $3,637 a month. The public audit prices a whole census at the first ZIP that prices; a two-office firm should run it per office or ask for the member-by-member audit.
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 18 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 — $37,288 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.