2027 preliminary rate and market analysis
Why This Analysis Matters
Choosing the right health benefits strategy has never been more complex. Premium trends, carrier participation, regulatory changes, provider networks, affordability programs, and regional market differences all influence whether an Individual Coverage HRA (ICHRA) is the right solution.
The 2027 State Opportunity Market Analysis was created to provide employers, brokers, consultants, and benefit advisors with an independent, data-driven evaluation of every state's individual health insurance market. Rather than relying on national averages or a single vendor's perspective, we analyze the factors that truly impact employer costs, employee choice, and long-term program success.
What You'll Find Inside
This report provides an independent framework for evaluating ICHRA opportunities across the country, including:
- Market Score™ rankings
- Premium trends
- Carrier competition
- Affordability programs
- Geographic market dynamics
- Employer-focused insights
Whether you're evaluating an ICHRA or comparing markets nationwide, this analysis helps you make more informed benefit decisions.
Who We Are at The ICHRA Shop Insurance Agency
Our History
The ICHRA Shop Insurance Agency was founded in 1995 with the goal of providing affordable and reliable insurance coverage to individuals and businesses. Over the years, we have expanded our offerings and grown our team to better serve our clients.
PRELIMINARY filings - this is not the final report
Why The ICHRA Shop™
The ICHRA Shop™ is America's first organization dedicated exclusively to ICHRA strategy, procurement, and market analysis. We work with employers, brokers, consultants, and benefit advisors to evaluate ICHRA vendors, insurance carriers, and individual market opportunities across the country.
Unlike organizations representing a single ICHRA vendor or insurance carrier, our analysis compares the market from an independent perspective—helping employers identify the solution that best aligns with their workforce, budget, compliance requirements, and long-term benefits strategy.
Our annual State Opportunity Market Analysis combines publicly available rate filings, carrier data, regulatory developments, affordability programs, and real-world market intelligence into one consistent framework designed to support better employer decisions.
2027 Market Intelligence Report: California
We will update the reports into one national report once all rates have been compiled and approved.
2027 Market Intelligence Report: Colorado
We will update the reports into one national report once all rates have been compiled and approved.
2027 Market Intelligence Report: Illinois
We will update the reports into one national report once all rates have been compiled and approved.
2027 Market Intelligence Report: Minnesota
We will update the reports into one national report once all rates have been compiled and approved.
2027 Market Intelligence Report: Florida
We will update the reports into one national report once all rates have been compiled and approved.
2027 Market Intelligence Report: Washington DC
We will update the reports into one national report once all rates have been compiled and approved.
ICHRA QUOTES
Proposals for the top brands in ICHRA - One spot