Pricing the live 2026 market…
Your team can save$0a year
Estimated from public headcount and county-filed 2026 rates, compared against the KFF 2025 national average — not your actual renewal.
How the saving works
Today: one group plan for everyone
You pay about $777 per employee, per month for group coverage.
Instead: a fixed monthly allowance
Each person gets a set, tax-free amount toward a plan they choose (ICHRA).
Everyone picks their best plan with Insurf
Insurf finds each person the lowest-cost plan in their county — whole-year cost, not sticker price.
The team keeps the difference
Person by person, the chosen plans usually cost less than the group premium. Added up, that gap is the number above.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions. This is an informational cost estimate — not an offer of coverage and not a recommendation to buy any plan.
Illustrative care profiles — deterministic assumptions, not real member data, and not a recommendation to buy any plan. Prescriptions are modeled by formulary tier at assumed allowed amounts; each plan answers with its real filed deductible and OOP max plus a uniform flat 25% after the deductible; plans with unverified filed accumulators are excluded from the modeled ranking, never assumed free.
Real 2026 on-exchange rates for the county shown (CMS and state marketplace public use files). ICHRA model: every member shops all county plans — versus the short single-carrier menu of a typical small-group setup — priced at their age (New York community-rates every member, so age does not change the premium), unsubsidized. Care modeling picks the plans; it never changes the savings number. A premium comparison, not a benefits-equivalence claim. Group cost defaults to the KFF 2025 average. Estimates only; not financial, tax, legal, medical, coverage, or insurance advice.