Independent ICHRA and CHOICE Arrangement analysis for employers and brokers
State-by-state intelligence

2027 ICHRA market guides.

Compare preliminary individual and small-group rate movement, tracked carrier depth and what each market signal may mean for employers.

Alaska

Individual +18.0% · Small group +17.4% · 2 tracked carriers

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Alabama

Individual +20.7% · Small group +12.5% · 4 tracked carriers

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Arkansas

Individual +7.0% · Small group +9.0% · 5 tracked carriers

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Arizona

Individual +25.0% · Small group +25.9% · 8 tracked carriers

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California

Individual +12.0% · Small group +12.3% · 13 tracked carriers

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Colorado

Individual +15.5% · Small group +14.4% · 6 tracked carriers

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Connecticut

Individual +11.2% · Small group +17.8% · 2 tracked carriers

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District of Columbia

Individual +9.7% · Small group +10.3% · 2 tracked carriers

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Delaware

Individual +16.4% · Small group +18.0% · 6 tracked carriers

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Florida

Individual +15.5% · Small group +13.8% · 15 tracked carriers

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Georgia

Individual +20.6% · Small group +19.9% · 9 tracked carriers

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Hawaii

Individual +12.7% · Small group +14.0% · 3 tracked carriers

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Iowa

Individual +6.7% · Small group +23.0% · 6 tracked carriers

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Idaho

Individual +15.3% · Small group +13.6% · 8 tracked carriers

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Illinois

Individual +10.5% · Small group +10.3% · 7 tracked carriers

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Indiana

Individual +19.5% · Small group +12.5% · 6 tracked carriers

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Kansas

Individual +19.6% · Small group +17.2% · 6 tracked carriers

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Kentucky

Individual +19.6% · Small group +15.2% · 3 tracked carriers

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Louisiana

Individual +16.3% · Small group +15.3% · 6 tracked carriers

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Massachusetts

Individual +10.4% · Small group +12.9% · 8 tracked carriers

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Maryland

Individual +13.6% · Small group +13.2% · 4 tracked carriers

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Maine

Individual +14.8% · Small group +15.7% · 7 tracked carriers

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Michigan

Individual +14.6% · Small group +14.2% · 9 tracked carriers

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Minnesota

Individual +11.4% · Small group +15.1% · 5 tracked carriers

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Missouri

Individual +14.7% · Small group +14.8% · 9 tracked carriers

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Mississippi

Individual +22.1% · Small group +18.2% · 6 tracked carriers

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Montana

Individual +24.6% · Small group +22.0% · 3 tracked carriers

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North Carolina

Individual +14.5% · Small group +20.6% · 9 tracked carriers

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North Dakota

Individual +14.2% · Small group +14.4% · 3 tracked carriers

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Nebraska

Individual +13.0% · Small group +14.1% · 5 tracked carriers

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New Hampshire

Individual +16.8% · Small group +14.2% · 5 tracked carriers

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New Jersey

Individual +23.6% · Small group +20.9% · 5 tracked carriers

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New Mexico

Individual +24.4% · Small group +20.2% · 4 tracked carriers

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Nevada

Individual +17.2% · Small group +12.3% · 16 tracked carriers

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New York

Individual +6.3% · Small group +8.0% · 13 tracked carriers

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Ohio

Individual +14.2% · Small group +15.0% · 12 tracked carriers

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Oklahoma

Individual +21.9% · Small group +19.1% · 7 tracked carriers

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Oregon

Individual +20.6% · Small group +19.1% · 6 tracked carriers

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Pennsylvania

Individual +16.0% · Small group +10.3% · 16 tracked carriers

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Rhode Island

Individual +20.1% · Small group +8.7% · 2 tracked carriers

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South Carolina

Individual +22.4% · Small group +17.0% · 9 tracked carriers

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South Dakota

Individual +10.2% · Small group +12.4% · 3 tracked carriers

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Tennessee

Individual +18.4% · Small group +17.1% · 7 tracked carriers

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Texas

Individual +16.0% · Small group +16.7% · 16 tracked carriers

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Utah

Individual +7.4% · Small group +10.4% · 7 tracked carriers

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Virginia

Individual +14.3% · Small group +13.5% · 7 tracked carriers

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Vermont

Individual +2.9% · Small group +6.8% · 2 tracked carriers

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Washington

Individual +22.2% · Small group Data pending · 13 tracked carriers

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Wisconsin

Individual +20.9% · Small group +16.5% · 14 tracked carriers

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West Virginia

Individual +16.0% · Small group +20.8% · 3 tracked carriers

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Wyoming

Individual +17.4% · Small group +13.7% · 2 tracked carriers

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