All 50 states plus the District of Columbia.
Colorado 2027: Summit & Pitkin County research
Approved regional rates, community purchasing and practical employer analysis.
Read the Colorado flagship article →The ICHRA Shop™ 2027 Market Intelligence
Know the market.
See what survives the fees.
A rate increase alone does not reveal ICHRA opportunity. Compare individual and small-group trend, then test whether administration, broker and implementation costs consume the advantage.
National snapshot
Geography creates opportunity. Employer economics decide it.
The map combines nationwide filing intelligence with proprietary Market Scores only where The ICHRA Shop has completed its state review.
Scored reports follow the completed-review hierarchy; unscored states remain gray.
Rates, carriers, off-exchange depth, affordability, employer environment and momentum.
Test administration, broker compensation and implementation costs.
SOURCE-CHECKED OCTOBER 15, 2026 · PLAN YEAR 2027
Final approvals: the latest verified rate changes.
Eleven markets checked against regulator or official exchange releases. Ten have verified individual and small-group averages; Washington has an Exchange individual-market approval only. These are approved gross premium trends, not employee quotes or proof that a particular 2027 plan is available through an API.
| Market | Final individual | Final small group | Announcement | Official source & scope |
|---|---|---|---|---|
| Colorado | +10% | +14% | 2026-09-22 | Colorado Division of Insurance ↗Individual and small-group statewide averages |
| Connecticut | +11.3% | +15.1% | 2026-09-11 | Connecticut Insurance Department ↗Fully insured individual and small group, on and off Exchange |
| District of Columbia | +9.9% | +11.5% | 2026-09-18 | DC DISB ↗DC Health Link individual and small-business plans |
| Illinois | +14.1% | +17.6% | 2026-10-13 | Illinois Department of Insurance ↗Individual and small-group ACA final filings |
| Maine | +14.8% | +13.5% | 2026-08-14 | Maine Bureau of Insurance ↗Individual and small-employer markets |
| Maryland | +14.6% | +10.2% | 2026-09-25 | Maryland Insurance Administration ↗Unsubsidized individual ACA and small-group averages |
| New York | +6% | +8% | 2026-09-04 | New York Department of Financial Services ↗Individual and small-group approved market averages |
| Oregon | +21.6% | +15.5% | 2026-08-18 | Oregon Division of Financial Regulation ↗Individual and small-group final rate orders |
| Pennsylvania | +15.97% | +10.28% | 2026-09-18 | Pennsylvania Insurance Department ↗Enrollment-weighted individual and small-group averages |
| Rhode Island | +12.4% | +3.8% | 2026-09-29 | Rhode Island OHIC ↗Enrollment-weighted individual and small-group averages |
| Washington | +22.2% | Not verified | 2026-09-09 | Washington Health Benefit Exchange / OIC ↗Exchange individual-market approval; not an off-Exchange statewide average |
Still awaiting verification here: California’s 9.9% announcement remains preliminary in the reviewed Covered California announcement. Florida OIR lists 2027 report headings, but the reviewed page does not provide linked final tables. Neither is promoted to final in this update. Other states retain their earlier status unless separately marked.
Use the right comparison: Statewide trends have different enrollment weights and scopes. A lower IND trend does not establish a lower IND premium. Existing Market Scores are retained from prior reviews and have not been rescored for this rate refresh. Check carrier, ZIP, age, network, plan design and off-Exchange availability before making an employer recommendation.
2027 State Opportunity Map™
Explore all 51 markets—then model the employer renewal.
Go beyond proposed-rate headlines. Compare individual and small-group trends, completed Market Scores, carrier context, regulatory status and the fees that decide whether an ICHRA / CHOICE Arrangement opportunity survives.
2027 age-rated market library
Move from state trend to employee-level pricing.
JANET can now explain published 2027 Gold rates by age for Washington, DC and Maryland. Employers still need a census and home ZIP codes for a final market comparison.
DC Health Link Gold
Approved CareFirst and Kaiser Gold low/high carrier-product endpoints for ages 21–64 using the official DC age curve.
Ask JANET about DC ratesMaryland Gold samples
Approved Baltimore lowest-Gold samples for CareFirst, Kaiser and UnitedHealthcare, age-rated from 21–64 using the federal ACA curve.
Ask JANET about Maryland ratesFinal employer comparison
Use employee ages, home ZIP codes, household coverage and the current renewal to compare actual available plans and employer contributions.
Compare an employer renewalLicensed quote review
Published intelligence screens the opportunity. A licensed quote confirms availability, network, benefits and the final premium.
Start the census reviewAdditional final 2027 markets available through JANET
Washington: 22.2% average approved individual-market increase. Oregon: 21.6% individual and 15.5% small-group average approved increases. These final statewide averages show market direction; they are not age-, ZIP- or plan-specific premiums.
DC · age-ratedMaryland · age-ratedWashington · final trendOregon · final trend
How we read 2027 filings
A headline rate request is not the market.
Our review follows the filing as it develops, distinguishes proposed from approved changes and tests what the statewide result means for an actual employer population.
Weight by enrollment
A carrier with substantial effectuated enrollment should influence the statewide picture more than a small entrant with little current membership.
Track every revision
Initial requests can change during regulatory review. We identify proposed, revised and final figures instead of freezing the first number published.
Read the drivers
Utilization, morbidity, prescription costs, carrier entry or exit, policy changes and market composition help explain why premiums are moving.
Test the employer economics
Individual-versus-small-group trend is only the opening signal. Age, ZIP, contribution design and total administration cost determine whether the opportunity survives.
Our working standard
Review public carrier filings and rate-review materials, validate enrollment context where available, preserve the filing status and effective date, then compare the result with small-group trend and fee-adjusted employer economics. Statewide averages are directional intelligence—not a quote or guarantee.
Proposed ≠ finalEnrollment weightedCarrier contextFee adjusted
Choose the depth
Start with market intelligence. Add employer risk when the decision demands it.
$500Market Intelligence Report
One market, filing sources, IND vs. SG comparison, carrier landscape, Market Score and fee-adjusted opportunity.
Order a market reportStarting at $5,000 · scales with livesPredictive Risk Intelligence
Add aggregate, de-identified claims and Rx intelligence to compare ICHRA, group, level-funded, self-funded or class strategies.
Explore predictive risk