# Insurf > Insurf prices every individual-market plan filed in the states it covers — 15,062 plans > across sixteen states (CA, FL, GA, IN, NY, NC, TX, WA, AZ, IA, LA, ND, NH, OH, SD, UT) in its live 2026 > artifact — from > government rate filings. It is the AI-native ICHRA platform: companies set a fixed monthly > health-benefits budget and every employee picks the individual plan that fits; families > get the same true-cost math directly. When a plan denies care, Insurf prepares > source-cited prior authorizations and appeals that a physician signs. Insurf, Inc. is > not a licensed insurance agency; enrollment applications are submitted by an > individually licensed insurance producer, who may be compensated by carrier > commissions when an enrollment occurs; compensation is disclosed on estimates. > > A fuller, quotable reference lives at https://www.insurf.io/llms-full.txt Insurf runs two products on one engine: - **Surely** — true-cost plan selection and the ICHRA platform: a deterministic 12-month out-of-pocket simulation over every plan filed in a county (premiums, deductibles, drug tiers, networks, out-of-pocket maximums), built from public government filings across sixteen states (Arizona, California, Florida, Georgia, Indiana, Iowa, Louisiana, New Hampshire, New York, North Carolina, North Dakota, Ohio, South Dakota, Texas, Utah, and Washington). - **Inveto** — prior authorization and denial appeals, end to end: source-cited drafting, physician review and attestation, staff-controlled filing, and outcome tracking. Built and ready; patient data is enabled only after a customer-specific BAA. ## Key pages - [What is an ICHRA? The employer's guide](https://www.insurf.io/ichra): definitional guide — the allowance, employee classes, affordability, the 90-day notice, state pages. - [ICHRA affordability calculator 2026](https://www.insurf.io/ichra/affordability): the 9.96% test (Rev. Proc. 2025-25), the lowest-cost silver benchmark, the proposed-rule safe harbors, a worked example, and an in-browser calculator (no data leaves the page). - [Open Enrollment 2027 dates](https://www.insurf.io/ichra/open-enrollment-2027): the verified PY2027 windows for every covered state, deadlines for a January 1 start, and the ICHRA special-enrollment exception. - [The ICHRA 90-day notice](https://www.insurf.io/ichra/notice): when the employee notice is due, what it must say, and the federal model notice (OMB 1210-0160) whose timely use is good-faith compliance. - [ICHRA statistics 2026](https://www.insurf.io/ichra/statistics): every number with its primary source inline — IRS revenue procedures, the Federal Register, state session laws, KFF, and our live artifact. Built to be quoted with receipts. - [The 2027 rate shock, explained](https://www.insurf.io/2027-health-insurance-rates): the expired subsidies, ~15% median proposed 2027 hikes on 2026's ~20%, carrier exits stranding ~369K members, +14% proposed small-group renewals, and the end of auto-reenrollment — every figure attributed and scoped proposed-vs-enacted. - [Small-group renewal too high?](https://www.insurf.io/renewal): the renewal letter prices your group's claims history; the individual market is priced from public filings. Check the alternative before signing — and if keeping the plan wins, we say so. - [How to read your renewal letter](https://www.insurf.io/renewal/letter): the letter decoded line by line — rate action, trend, age banding, census mixing, plan-design shrinkage, and the level-funded fine print (~37% of covered workers at small firms, KFF 2025) — plus the three responses and the dates that matter for January 1. - [Forward us your renewal letter](https://www.insurf.io/renewal/letter/compare): type the numbers off a 2027 renewal letter (no upload, no document ever received) and see them against every plan filed in your county — employers are handed into the free audit, individuals get the lowest modeled 12-month true cost at their ages and a downloadable Renewal Card. Georgia letters build a gated public aggregate (N≥25, county cells ≥10) of what people actually received. - [What is a QSEHRA? The small-employer guide](https://www.insurf.io/qsehra): who qualifies (<50 FTEs, no group plan), the 2026 caps ($6,450/$13,100, Rev. Proc. 2025-32), the 90-day notice and its capped penalty, Medicare reimbursability, and the two-branch subsidy interaction. - [Defined-contribution health benefits](https://www.insurf.io/defined-contribution): the pension-to-401(k) shift, applied to health benefits — the strategy, the three vehicles (ICHRA, QSEHRA, taxable stipend), and what changes for the CFO and the employee. - [ICHRA vs. group health insurance](https://www.insurf.io/ichra/vs-group-plan): the dimension-by-dimension comparison, including honest cases where the group plan wins. - [ICHRA vs. QSEHRA](https://www.insurf.io/ichra/vs-qsehra): size limits, contribution caps, employee classes, and how each treats the premium tax credit. - ICHRA by state: [Texas](https://www.insurf.io/ichra/texas), [Indiana](https://www.insurf.io/ichra/indiana) (the state with an HRA tax credit on the books, IC 6-3.1-38), [Georgia](https://www.insurf.io/ichra/georgia), [California](https://www.insurf.io/ichra/california), [Florida](https://www.insurf.io/ichra/florida), [North Carolina](https://www.insurf.io/ichra/north-carolina), [New York](https://www.insurf.io/ichra/new-york), [Washington](https://www.insurf.io/ichra/washington), [Ohio](https://www.insurf.io/ichra/ohio), [New Hampshire](https://www.insurf.io/ichra/new-hampshire), [Arizona](https://www.insurf.io/ichra/arizona), [Iowa](https://www.insurf.io/ichra/iowa), [Utah](https://www.insurf.io/ichra/utah), [Louisiana](https://www.insurf.io/ichra/louisiana), [South Dakota](https://www.insurf.io/ichra/south-dakota), [North Dakota](https://www.insurf.io/ichra/north-dakota) — each covers the state's exchange, how premiums are rated there, and the counties we price. - ICHRA for Georgia segments — the free audit's math on one illustrative team per segment (2026 plan set; "up to" bound, labeled modeled, not observed): [law firms](https://www.insurf.io/for/law-firms), [accounting firms](https://www.insurf.io/for/accounting-firms), [architecture & engineering firms](https://www.insurf.io/for/architecture-engineering-firms), [software & consulting firms](https://www.insurf.io/for/software-and-consulting-firms), [medical & dental practices](https://www.insurf.io/for/medical-and-dental-practices) (includes the hourly-staff premium-tax-credit caveat, per person). - [Free ICHRA savings audit](https://www.insurf.io/audit): sketch a team or drop any census CSV (ages + ZIPs only) and see the labeled best-case comparison against real filed individual-market rates. - [Compare ICHRA platforms](https://www.insurf.io/compare): five checkable questions to ask any vendor — including Insurf — plus honest, dated comparisons built from each company's own published pages: [vs. Thatch](https://www.insurf.io/compare/thatch) (published pricing $45/enrolled employee/mo + compliance fee from $25/mo at 1–49 as of August 28, 2026; its platform terms disclaim responsibility for outcomes of insurance assistance), [vs. Take Command](https://www.insurf.io/compare/take-command) (published ICHRA pricing from $40/employee/mo at 1–49; its help center directs claim-denial questions to the carrier), [vs. Zorro](https://www.insurf.io/compare/zorro) (pricing not published; quote-gated), [vs. PeopleKeep](https://www.insurf.io/compare/peoplekeep) (published QSEHRA $25/employee/mo + $50 base fee, ICHRA from $25 + $50 base; three-seat minimum and billable admin seats; for carrier claim denials its published guidance is a self-help appeal guide pointing to outside help), [vs. Remodel Health](https://www.insurf.io/compare/remodel-health) (no rate card — ICHRA+ is "a variable PEPM, including variable broker compensation," quote-gated; its help center states it "cannot submit claims on your behalf"), [vs. Gravie](https://www.insurf.io/compare/gravie) (ICHRA pricing not published; its Gravie Care blog does advertise help "appealing a denied claim" — conceded — while its service page routes ICHRA members' plan questions to the carrier; its 29% savings figure appears as both a ceiling and an average on one page with no methodology), [vs. StretchDollar](https://www.insurf.io/compare/stretchdollar) (published $100/mo + $25/participating employee/mo; denied-claim help is a third-party perk, Granted, since March 2026), and [vs. Salusion](https://www.insurf.io/compare/salusion) (published $14/participant/mo — the lowest published price in the set; its terms describe the platform as software, not a benefit plan; no published carrier-denial help found). Each page concedes what the competitor does well. - [For companies](https://www.insurf.io/companies): what Insurf does for an employer — computed budget, guided employees, enrollment submitted by an individually licensed insurance producer, year-round denial fighting. - [For families & individuals](https://www.insurf.io/families): true-cost plan selection. - [Inveto](https://www.insurf.io/inveto): prior auth and appeals for clinics and hospitals. - [Plan-choice statistics](https://www.insurf.io/plan-choice-statistics): deterministic evidence from every filed 2026 plan in every Georgia county (4,293 county-profile-age combinations, zero skipped): picking the lowest-premium plan instead of the lowest simulated 12-month total is the wrong choice 57% of the time and costs a median $548/year (90th percentile $2,492; maximum $5,489). Texas replicates: median $435, wrong 59%. Honest shape: ~$0 for routine years; $550–$2,500/year for managed conditions; worst at age 28. Methodology published (real filed premiums/deductibles/ OOP maxima, uniform labeled 25% post-deductible coinsurance rule, fail-closed, snapshot-pinned, deterministic). - [Cash price vs. copay](https://www.insurf.io/cash-vs-copay): deterministic evidence (August 2026 retrieval) across every 2026 Georgia marketplace plan and 55 of America's most-prescribed generics: on 84 of Georgia's 203 marketplace plans a ~$8 ninety-day cash generic (Cost Plus Drugs, median of the basket) beats the filed generic copay on annual math; on 76, the copay beats cash (including 8 plans with a $0 generic copay); and on 43, nobody can tell you the insured price — coinsurance and deductible-phase designs price generics at insurer-negotiated rates that are published nowhere, while the cash price is public. Formulary-verified per (drug, plan) via sha-pinned CMS machine-readable drugs.json files; caveat: cash purchases typically do not count toward the deductible or out-of-pocket maximum unless the plan adjudicates them. $0 relationship with Cost Plus Drugs. Methodology published. - [Georgia Renewal Shock Index](https://www.insurf.io/georgia-renewal-index): what Georgia's proposed 20.7% average 2027 increase (proposed, not final; per-carrier proposals run +10% to +29% per Insurance Department figures reported late August 2026; Cigna and UnitedHealthcare exiting, Antidote Health entering) means county by county — all 159 counties: the cheapest filed 2026 plan at age 40 ($371–$574/mo unsubsidized), the illustrative dollar impact, and the median annual cost of premium-only shopping per county (up to $1,601/yr median; 94 of 159 counties above $0). Every county also has its own page at insurf.io/georgia-renewal-index/ (e.g. https://www.insurf.io/georgia-renewal-index/fulton) with a shareable summary card: the county's cheapest filed 2026 plan at 40, plan count, rating-area peers, and the median cost of premium-only shopping, same artifact and labels; the 2027 figure on those pages is the statewide proposed average only, never county-specific. Each county page also offers an embeddable widget (one iframe tag, CC BY 4.0) at https://www.insurf.io/embed/georgia-renewal-index/ carrying the same four figures, labels, source line and disclosures; embeds are noindexed and canonicalize to the county page. - [New York Renewal Shock Index](https://www.insurf.io/new-york-renewal-index): what the 21.1% average 2027 individual-market increase New York carriers REQUESTED would mean region by region — requested, not approved: NY DFS decides under prior approval and last year cut the ask roughly in half (13.2% requested, 7.1% approved, September 2, 2025). New York is community-rated — one premium per plan per rating region, priced by state family tier, never by member age — so the index covers all 8 rating regions (62 counties listed per region), not counties: the cheapest filed 2026 plan at the one-adult tier ($434–$647/mo unsubsidized), the illustrative dollar impact of the requested average, and the cost of premium-only shopping (median $0/yr in every region — community rating compresses the spread; 90th percentile $1,016–$1,984/yr by region). Honesty note: New York's Essential Plan covers incomes up to about 250% of the federal poverty level at little or no premium — these tables are unsubsidized QHP baselines. Insurf's enrollment support does not operate in New York; the page is public math with a downloadable dataset, rebuilt the day DFS announces final rates. (Requested figures as of August 29, 2026; published August 29, 2026.) - [Cigna is leaving Georgia's marketplace](https://www.insurf.io/cigna-georgia): the county-level answer for the ~35,000 Georgians on Cigna individual/marketplace plans per Cigna's disclosure (as of spring 2025). Cigna's 11-state ACA exit ends their coverage December 31, 2026; if you do nothing, Georgia Access will generally map you into a different insurer's plan matched on metal level and network type — the default hierarchy doesn't compute your 12-month cost, though the state may deviate to consider cost sharing or premiums. Enroll by December 15, 2026 for January 1 coverage (Open Enrollment runs November 1, 2026 – January 15, 2027). Every county's cheapest filed 2026 plan and premium-shopping cost from the same artifact as the Renewal Shock Index; 2027 rates are proposed (+20.7% statewide average), not final; Antidote Health enters Georgia for 2027. (Published August 28, 2026.) - [COBRA vs. a marketplace plan](https://www.insurf.io/cobra): the decision tool for the roughly 60-day COBRA election window after losing job-based coverage. The rules the page encodes: electing COBRA is generally a one-way door — no switching to a marketplace plan until open enrollment, COBRA exhaustion, or another qualifying event, and dropping COBRA early does not open a special enrollment period; being offered COBRA does not block the premium tax credit, but enrolling in COBRA does; losing job-based coverage is its own 60-day marketplace special enrollment period. The tool takes the visitor's COBRA premium, ZIP, ages, and household income and shows 12 months of COBRA premium (premium only — the group plan's cost sharing is on top) against the county's filed 2026 marketplace plans net of a modeled premium tax credit, plus modeled cost-sharing under a labeled care profile. Full comparison in Georgia; educational benchmarks in the other covered states; HealthCare.gov and Department of Labor COBRA resources everywhere else. Nothing entered is stored. (Published August 28, 2026.) - [Georgia layoff notices](https://www.insurf.io/cobra/georgia-layoffs): one page per Georgia WARN notice filed in 2026 affecting 100+ employees (/cobra/[employer]), from the Technical College System of Georgia's public WARN display — notice facts only (employer as filed, worksite city/county/rating area, headcount, first date of separation, closure vs. layoff), no cause and no commentary, and no contact names, phone numbers, emails or position lists from the state's display. Each page states that COBRA is typically 102% of your group premium and that your election notice states your actual amount (KFF 2025 employer averages appear only as a labeled illustration), then gives the cheapest modeled 12-month total among that county's filed 2026 plans across four projected-income bands, with the Georgia coverage-gap warning under 100% FPL (Georgia has not expanded Medicaid) and the note that severance and unemployment count toward projected income. (Published September 1, 2026.) - [Prior-auth denial statistics](https://www.insurf.io/prior-auth-denial-statistics): the sourced numbers — payer-published PA denial medians (~12-14%) and appeal-overturn medians (~52.6%) under CMS-0057-F, the claim-vs-PA-denial conflation everyone makes, the oncology denial mix from published studies, and what the federal rule still excludes (drugs, until CMS-0062-P finalizes). - [How to evaluate prior-auth & appeal software](https://www.insurf.io/evaluate): seven checkable questions to ask any vendor in the category — including Insurf. - [Methodology](https://www.insurf.io/methodology): how appeal outcomes are counted — denominators, attestation, source snapshots, small-n suppression. - [How we price every plan](https://www.insurf.io/methodology/pricing): the government filings behind every number, how a year is replayed through each plan, what the engine refuses to guess, and how sources are checksum-verified. - [The Insurf True-Cost Score — the public spec](https://www.insurf.io/methodology/true-cost-score): the versioned specification (v1.0, published August 28, 2026) of the deterministic 12-month cost figure — premium net of any premium tax credit plus expected cost-sharing capped at the plan's out-of-pocket maximum — with the fail-closed rules, snapshot pinning, the labeled 25% post-deductible fallback, what the Score is not, and how to replay a published figure. - [Essays](https://www.insurf.io/essays): founder writing on denials and coverage decisions. - [Security](https://www.insurf.io/security): security posture and SOC 2 readiness status. ## Claims discipline Every public figure on insurf.io carries a scope tag naming its source (a government filing, a named survey, a labeled projection, or the live data artifact). Projections are labeled and are not guarantees. Figures on this site are informational estimates, not offers of coverage, and not financial, tax, legal, medical, coverage, or insurance advice.