# Understand the evidence behind ICHRA market claims Canonical reader page: https://ichrareport.com/research/ Publisher: ICHRA Report Originally published: 2026-09-12 Substantively updated: 2026-09-19 Sources checked: Not recorded Data period: Not recorded [Home](https://ichrareport.com/) Research ICHRA Report · Research 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. At a glance Latest addition **September 19, 2026** Articles **12** Source library **130 records** Current coverage ## New research and analysis Article publication dates, event dates and underlying data periods are recorded separately. [Browse original sources](https://ichrareport.com/research/source-library/) [Employee affordability 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 analysis](https://ichrareport.com/research/ichra-affordability-beyond-premiums/)[Employer disclosure Alliance 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 analysis](https://ichrareport.com/research/alliance-entertainment-ichra-sec-filing/)[Market measurement How 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 analysis](https://ichrareport.com/research/ichra-adoption-measurement-2026/)[Employer sentiment Employers 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 analysis](https://ichrareport.com/research/employer-ichra-survey-2026/)[Contribution analysis What 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 analysis](https://ichrareport.com/research/hra-contribution-data-2026/)[State policy State 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 analysis](https://ichrareport.com/research/ichra-state-policy-review-2026/)[Federal policy watch ICHRA 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 analysis](https://ichrareport.com/research/ichra-federal-policy-watch-2026/)[Employee tax and coverage ICHRA 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 analysis](https://ichrareport.com/research/ichra-hsa-tax-credit-changes-2026/)[2027 outlook The 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 analysis](https://ichrareport.com/research/ichra-2027-planning-outlook/)[Original public-source audit ICHRA 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 analysis](https://ichrareport.com/research/provider-pricing-transparency-2026/) ## Foundations and methods [Evidence map 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 article](https://ichrareport.com/research/ichra-market-2026/)[Modeling guide Build 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 article](https://ichrareport.com/research/ichra-contribution-benchmarks/) ## How 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](https://ichrareport.com/methodology/) · [RSS feed](https://ichrareport.com/feed.xml) · [Source library and coverage gaps](https://ichrareport.com/research/source-library/) ## 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 program](https://ichrareport.com/research/reporting-program/) ## Choose what you need to check ### [Explore insurance prices](https://ichrareport.com/tools/market-explorer/) Choose a county to see published 2026 monthly premiums and plan documents in 30 states. ### [Check published administrator fees](https://ichrareport.com/research/provider-disclosure-monitor/) See what ten brands say publicly about their service charges before asking for written proposals. ### [Share your ICHRA experience](https://ichrareport.com/research/contribute/) Send a short account of your decision or implementation for possible reporting. Nothing is published automatically.