2026 plan set · illustrative team · modeled, not observed
ICHRA for Georgia law firms: what a 12-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 12-person firm in Fulton County — 12 people at one Fulton County ZIP (30303), ages 29 to 58 — 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 12-person firm, in five figures.
An illustrative 12-person firm in Fulton County; your team's ages and ZIPs will differ.
up to $1,798/mo
up to $21,580/yr
up to — best-case premium savings vs. the KFF 2025 single-coverage average, per month (2026 plan set; modeled, not observed)
$15,632/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)
$111,888/yr
Group benchmark the savings are measured against: $777/mo × 12 people (KFF 2025 average, editable in the audit)
132
Plans filed in Fulton County (2026 plan set)
$0/yr
90th percentile $2,322/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 12; ages 29, 31, 33, 36, 38, 41, 44, 47, 50, 53, 56, 58.
Assumption 2
One office: ZIP 30303, Fulton County.
Assumption 3
10 salaried, 2 hourly (83% salaried).
Assumption 4
12 W-2 employees: associates, paralegals and staff. Equity partners are not counted — partners in a partnership are generally not employees for HRA purposes and cannot participate in an ICHRA on a tax-favored basis; confirm with a tax adviser.
Assumption 5
10 salaried, 2 hourly (front desk and office support). The savings math below is class-agnostic; the split only frames which permitted ICHRA classes a firm might draw.
Assumption 6
Malpractice (professional liability) coverage is a separate line of insurance and is untouched by an ICHRA.
Assumption 7
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 8
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 12 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 $2,322 a year (42% 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 law firms ask.
Partners versus associates: can a law firm give partners a bigger allowance?
Not by title. ICHRA classes must be drawn on a permitted basis — full-time or part-time, salaried or hourly, seasonal, geographic rating area, and a few others — and job title and income are not permitted bases. Within a class the allowance can vary only by age and family size. Equity partners are a separate question: partners in a partnership (and more-than-2% S-corporation shareholders) are generally not employees for HRA purposes and cannot participate in an ICHRA on a tax-favored basis, which is why this illustration counts 12 W-2 employees — associates, paralegals and staff — and no partners. Confirm your firm's structure with a tax adviser.
Does an ICHRA change our malpractice coverage?
No. Professional liability (malpractice) insurance is a separate line of coverage the firm carries for the practice; an ICHRA replaces or supplements the health benefit only. Nothing about the health arrangement touches the malpractice policy, its limits, or its renewal.
Why does a 12-person firm's number depend so much on ages?
Georgia individual-market premiums are age-rated (up to 3:1 from youngest to oldest adult), so the same allowance buys very different coverage for a 29-year-old associate and a 58-year-old of counsel. In this illustration the 12 ages 29 to 58 in Fulton County price to $7,526 a month at the lowest-premium plan each — against the $777-a-month KFF group average per person, that is the up to $1,798 a month. A firm with more senior lawyers on payroll will see a smaller gap; the audit prices your actual ages.
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 12 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 — $15,632 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.