2026 plan set · illustrative team · modeled, not observed
ICHRA for Georgia software & consulting firms: what a 15-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 15-person firm in Fulton County — 15 people at one Fulton County ZIP (30309), ages 24 to 51 — 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 15-person firm, in five figures.
An illustrative 15-person firm in Fulton County; your team's ages and ZIPs will differ.
up to $4,366/mo
up to $52,397/yr
up to — best-case premium savings vs. the KFF 2025 single-coverage average, per month (2026 plan set; modeled, not observed)
$46,114/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)
$139,860/yr
Group benchmark the savings are measured against: $777/mo × 15 people (KFF 2025 average, editable in the audit)
132
Plans filed in Fulton County (2026 plan set)
$0/yr
90th percentile $2,456/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 15; ages 24, 26, 27, 28, 29, 30, 31, 32, 34, 35, 37, 39, 42, 45, 51.
Assumption 2
One office: ZIP 30309, Fulton County.
Assumption 3
15 salaried, 0 hourly (100% salaried).
Assumption 4
15 salaried W-2 employees, all Georgia residents, priced at a Midtown Atlanta ZIP (Fulton County).
Assumption 5
Remote employees living in other states are excluded from this illustration; the audit prices them only in the states the engine covers and says so when it cannot (see the FAQ on the page).
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 15 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 $2,456 a year (47% 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 software & consulting firms ask.
Half our engineers are remote in other states. Can the audit price them?
Only in the 16 states the engine covers: Arizona, California, Florida, Georgia, Indiana, Iowa, Louisiana, New Hampshire, New York, North Carolina, North Dakota, Ohio, South Dakota, Texas, Utah and Washington. An employee living anywhere else is left unpriced and the audit says so rather than guessing. New York is community-rated (premiums do not vary by age), so New York employees change the budget math in a different way. The ICHRA itself works in every state, and rating area is a permitted class basis, so a remote team can carry a different allowance per region. This illustration keeps all 15 employees in Georgia.
Why do young software teams see the largest gap?
Because individual-market premiums are age-rated and a group plan averages everyone together. Ages 24 to 51 in Fulton County price to $7,289 a month at the lowest-premium plan each, against $11,655 a month for 15 people at the KFF 2025 group average — the up to $4,366 a month in the figure above. The bound is a premium comparison; the modeled figure ($46,114 a year) lets each member pick for their whole year instead.
Does the allowance have to be the same for a senior engineer and a new grad?
Within a class the allowance may vary by age (older employees can receive more, within the federal 3:1 limit) and by family size — never by title, salary, or performance. Many young teams set one age-banded schedule for everyone; the audit shows what each band buys in each employee's county.
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 15 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 — $46,114 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.