Understand the evidence behind ICHRA market claims
Use these reports to examine growth figures, employer contributions, policy changes and public administrator fees. Each explains where its information comes from and what it can support. Public-data analysis and planned interviews are labeled separately.
New research and analysis
Article publication dates, event dates and underlying data periods are recorded separately.
Does an affordable ICHRA mean affordable health care?
An employer contribution can meet a legal premium test while the employee still faces substantial costs when using insurance. Separate the three affordability questions, examine the new private-insurance research and work through an illustrative plan comparison.
Study published September 17, 2026; survey fieldwork in 2025
Read analysisAlliance Entertainment’s ICHRA transition: what its SEC filing establishes
Read what Alliance Entertainment’s SEC filing establishes about its ICHRA transition, the source limitations and the outcomes still unknown.
FY2026 filing: September 10, 2026; transition reported in FY2025
Read analysisHow many people use ICHRA? What the 2026 evidence can tell us
How many people use ICHRA depends on what a source counts. Compare employer offers, enrolled workers, estimated covered lives and the wider individual market, including the new Census coverage report and the federal MEPS questions.
2025 Census coverage and MEPS instruments; 2026 industry reporting
Read analysisEmployers are evaluating ICHRA. That is different from adopting it.
An employer saying it is considering ICHRA is different from an employer offering it. This article explains who answered the EBRI–Morgan Health survey, what they were asked and how to interpret their responses without treating interest as enrollment.
Survey released July 28; fieldwork March 19–May 5, 2026
Read analysisWhat the 2026 HRA contribution figures mean for an employer budget
How much are employers offering toward coverage? This analysis explains the HRA Council's reported contribution and premium figures, who they describe and why a middle value in a dataset is not a recommended budget for your employees.
Source report released August 12, 2026
Read analysisState ICHRA policy in 2026: incentives, amendments and proposals
Five selected states show why enacted ICHRA tax credits, active applications, amendments and failed proposals must be read separately.
Selected state records checked through September 24, 2026
Read analysisICHRA policy watch: distinguish agency action from legislation
A government announcement, an introduced bill and an effective rule can mean different things for an employer. This review separates those stages so you can identify what applies now and what is still a proposal.
Selected federal records through September 23; reviewed September 24, 2026
Read analysisICHRA in 2026: HSA eligibility and tax-credit changes employees need to understand
A health savings account (HSA) and a Marketplace premium tax credit follow different rules. This article explains 2026 changes that employees should discuss with qualified advisers when evaluating coverage, ICHRA reimbursements and tax consequences.
2026 rules and guidance; reviewed September 11, 2026
Read analysisThe 2027 ICHRA planning outlook: what is known and what still needs a local answer
Preparing an ICHRA for 2027 requires checking contributions, enrollment dates and local insurance availability together. Use this report to distinguish published national information from the employee and county-level details your planning team still needs.
Planning evidence reviewed September 22, 2026; Maryland landscape remains preliminary
Read analysisICHRA provider pricing: a six-brand public-source audit
Before asking for proposals, see what six ICHRA administrator brands publicly say about service fees. This dated review records published starting prices, minimums and missing information. These are administrator charges, separate from employee insurance premiums and reimbursements.
Public pages checked September 12, 2026
Read analysisFoundations and methods
The broader ICHRA evidence map
How large is the ICHRA market, and what do the available numbers actually measure? This report examines published insurance-market and industry data, explains their limits and identifies information employers and brokers still need for a decision.
Read articleBuild a contribution comparison
An employer contribution is the amount offered toward eligible employee expenses. This guide explains how to use published comparison figures and build contribution scenarios for your workforce. It does not provide an original national database of employer contributions.
Read articleHow to use this coverage
Each article records its own review cutoff. This is a researched selection of material developments, not a guarantee that every ICHRA item on the internet is included. Provider announcements establish what a company says; they do not independently prove customer outcomes. Research includes analysis of external evidence and a separately labeled original public-source pricing audit; ICHRA Report has not conducted an original employer survey.
Read our methodology · RSS feed · Source library and coverage gaps
Help define the next questions
Explore the planned employer-decision, first-90-days and administrator interview series. No interviews or employer outcomes have been collected for these series.
Read the reporting programChoose what you need to check
Explore insurance prices
Choose a county to see published 2026 monthly premiums and plan documents in 30 states.
Check published administrator fees
See what ten brands say publicly about their service charges before asking for written proposals.
Share your ICHRA experience
Send a short account of your decision or implementation for possible reporting. Nothing is published automatically.