ICHRA statistics, with receipts.
Most ICHRA statistics circulate without their sources. Every number on this page carries its primary source inline — an IRS revenue procedure, the Federal Register, a state session law, the KFF survey, or our own artifact of government filings. Quote freely; the receipts travel with the figures.
Verified against primary sources · late August 2026
The federal numbers.
9.96%
of household income — the ICHRA affordability threshold for plan years beginning in 2026
Rev. Proc. 2025-25
$3,340 / $5,010
the 2026 employer-mandate amounts — §4980H(a) per full-time employee (minus 30) and §4980H(b) per subsidized employee
Rev. Proc. 2025-26
800,000
employers projected by federal regulators to eventually adopt individual-coverage HRAs
Federal projection, 2019 rulemaking
$9,325
what employer group single coverage costs per year on average — the bill an ICHRA replaces
KFF Employer Health Benefits Survey, 2025
Jan 1, 2020
the day ICHRAs took effect under the tri-agency federal rule; 2025's proposed statutory codification ("CHOICE arrangements") passed the House but was not enacted
84 FR 28888; Public Law 119-21
3 states
have enacted small-employer ICHRA tax credits — Indiana (2023), Mississippi (April 2026), Connecticut (May 2026); none among the seven states we price
State session laws, verified August 2026
The numbers we compute ourselves.
From government plan filings, checksum-verified, plan year 2026 — counting rules public at how we price every plan.
10,435
individual-market plan variants priced in our live artifact
Insurf live artifact, PY2026
22
pinned government sources behind those plans, each recorded with authority, scope, and checksum
Insurf source manifest, PY2026
739
counties priced across 7 states — every county in every covered state
Computed from the live geography artifact at build time
Per-state coverage — every county, every rating area, and the market structure underneath — lives on the state pages: Texas, Georgia, California, Florida, North Carolina, New York, Washington.
The numbers people ask for.
What is the ICHRA affordability percentage for 2026?
9.96% of household income, set by Rev. Proc. 2025-25 for plan years beginning in 2026. The full mechanics — the lowest-cost-silver benchmark and a worked example — are at insurf.io/ichra/affordability.
How many employers offer ICHRAs?
Federal regulators projected roughly 800,000 employers would eventually adopt the model when they finalized the 2019 rule. Industry groups publish annual adoption growth figures; we cite only numbers we can trace to a primary source, so this page carries the federal projection rather than vendor-reported growth rates.
Which states give tax credits for offering an ICHRA?
Three as of August 2026: Indiana (enacted 2023), Mississippi (April 2026), and Connecticut (May 2026) — all aimed at sub-50-employee companies, all capped statewide. Texas and Georgia both saw ICHRA-credit bills die in their 2025–2026 sessions.
Where do these numbers come from?
Every figure on this page carries its source inline: IRS revenue procedures, the Federal Register, state session laws, the KFF employer survey, or our own live artifact of government plan filings — whose counting rules are public at insurf.io/methodology/pricing.
Now run your own number.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational reference — not an offer of coverage, not a recommendation to buy any plan, and not financial, tax, legal, medical, coverage, or insurance advice.