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Individual Coverage HRA HEAT MAP

Is an individual coverage HRA a good choice in my location?

In roughly half of the country, individual health insurance rates are lower than their small group counterparts. This means benefits dollars will stretch further in those areas with an individual coverage HRA.

 

Note: If a county is green, that means it's a slam dunk for ICHRA. If it's white or light orange, it's worth having a conversation. 

 

 
*Data Courtesy of Ideon, 2025 rates based on bronze plans for 50 year olds.
 
AL - Autauga County
AL - Baldwin County
AL - Barbour County
AL - Bibb County
AL - Blount County
AL - Bullock County
AL - Butler County
AL - Calhoun County
AL - Chambers County
AL - Cherokee County
AL - Chilton County
AL - Choctaw County
AL - Clarke County
AL - Clay County
AL - Cleburne County
AL - Coffee County
AL - Colbert County
AL - Conecuh County
AL - Coosa County
AL - Covington County
AL - Crenshaw County
AL - Cullman County
AL - Dale County
AL - Dallas County
AL - DeKalb County
AL - Elmore County
AL - Escambia County
AL - Etowah County
AL - Fayette County
AL - Franklin County
AL - Geneva County
AL - Greene County
AL - Hale County
AL - Henry County
AL - Houston County
AL - Jackson County
AL - Jefferson County
AL - Lamar County
AL - Lauderdale County
AL - Lawrence County
AL - Lee County
AL - Limestone County
AL - Lowndes County
AL - Macon County
AL - Madison County
AL - Marengo County
AL - Marion County
AL - Marshall County
AL - Mobile County
AL - Monroe County
AL - Montgomery County
AL - Morgan County
AL - Perry County
AL - Pickens County
AL - Pike County
AL - Randolph County
AL - Russell County
AL - St. Clair County
AL - Shelby County
AL - Sumter County
AL - Talladega County
AL - Tallapoosa County
AL - Tuscaloosa County
AL - Walker County
AL - Washington County
AL - Wilcox County
AL - Winston County
AK - Aleutians East Borough County
AK - Aleutians West Census Area County
AK - Anchorage Municipality County
AK - Bethel Census Area County
AK - Bristol Bay Borough County
AK - Denali Borough County
AK - Dillingham Census Area County
AK - Fairbanks North Star Borough County
AK - Haines Borough County
AK - Hoonah-Angoon Census Area County
AK - Juneau City and Borough County
AK - Kenai Peninsula Borough County
AK - Ketchikan Gateway Borough County
AK - Kodiak Island Borough County
AK - Kusilvak Census Area County
AK - Lake and Peninsula Borough County
AK - Matanuska-Susitna Borough County
AK - Nome Census Area County
AK - North Slope Borough County
AK - Northwest Arctic Borough County
AK - Petersburg Census Area County
AK - Prince of Wales-Hyder Census Area County
AK - Sitka City and Borough County
AK - Skagway Municipality County
AK - Southeast Fairbanks Census Area County
AK - Wrangell City and Borough County
AK - Yakutat City and Borough County
AK - Yukon-Koyukuk Census Area County
AZ - Apache County
AZ - Cochise County
AZ - Coconino County
AZ - Gila County
AZ - Graham County
AZ - Greenlee County
AZ - La Paz County
AZ - Maricopa County
AZ - Mohave County
AZ - Navajo County
AZ - Pima County
AZ - Pinal County
AZ - Santa Cruz County
AZ - Yavapai County
AZ - Yuma County
AR - Arkansas County
AR - Ashley County
AR - Baxter County
AR - Benton County
AR - Boone County
AR - Bradley County
AR - Calhoun County
AR - Carroll County
AR - Chicot County
AR - Clark County
AR - Clay County
AR - Cleburne County
AR - Cleveland County
AR - Columbia County
AR - Conway County
AR - Craighead County
AR - Crawford County
AR - Crittenden County
AR - Cross County
AR - Dallas County
AR - Desha County
AR - Drew County
AR - Faulkner County
AR - Franklin County
AR - Fulton County
AR - Garland County
AR - Grant County
AR - Greene County
AR - Hempstead County
AR - Hot Spring County
AR - Howard County
AR - Independence County
AR - Izard County
AR - Jackson County
AR - Jefferson County
AR - Johnson County
AR - Lafayette County
AR - Lawrence County
AR - Lee County
AR - Lincoln County
AR - Little River County
AR - Logan County
AR - Lonoke County
AR - Madison County
AR - Marion County
AR - Miller County
AR - Mississippi County
AR - Monroe County
AR - Montgomery County
AR - Nevada County
AR - Newton County
AR - Ouachita County
AR - Perry County
AR - Phillips County
AR - Pike County
AR - Poinsett County
AR - Polk County
AR - Pope County
AR - Prairie County
AR - Pulaski County
AR - Randolph County
AR - St. Francis County
AR - Saline County
AR - Scott County
AR - Searcy County
AR - Sebastian County
AR - Sevier County
AR - Sharp County
AR - Stone County
AR - Union County
AR - Van Buren County
AR - Washington County
AR - White County
AR - Woodruff County
AR - Yell County
CA - Alameda County
CA - Alpine County
CA - Amador County
CA - Butte County
CA - Calaveras County
CA - Colusa County
CA - Contra Costa County
CA - Del Norte County
CA - El Dorado County
CA - Fresno County
CA - Glenn County
CA - Humboldt County
CA - Imperial County
CA - Inyo County
CA - Kern County
CA - Kings County
CA - Lake County
CA - Lassen County
CA - Los Angeles County
CA - Madera County
CA - Marin County
CA - Mariposa County
CA - Mendocino County
CA - Merced County
CA - Modoc County
CA - Mono County
CA - Monterey County
CA - Napa County
CA - Nevada County
CA - Orange County
CA - Placer County
CA - Plumas County
CA - Riverside County
CA - Sacramento County
CA - San Benito County
CA - San Bernardino County
CA - San Diego County
CA - San Francisco County
CA - San Joaquin County
CA - San Luis Obispo County
CA - San Mateo County
CA - Santa Barbara County
CA - Santa Clara County
CA - Santa Cruz County
CA - Shasta County
CA - Sierra County
CA - Siskiyou County
CA - Solano County
CA - Sonoma County
CA - Stanislaus County
CA - Sutter County
CA - Tehama County
CA - Trinity County
CA - Tulare County
CA - Tuolumne County
CA - Ventura County
CA - Yolo County
CA - Yuba County
CO - Adams County
CO - Alamosa County
CO - Arapahoe County
CO - Archuleta County
CO - Baca County
CO - Bent County
CO - Boulder County
CO - Broomfield County
CO - Chaffee County
CO - Cheyenne County
CO - Clear Creek County
CO - Conejos County
CO - Costilla County
CO - Crowley County
CO - Custer County
CO - Delta County
CO - Denver County
CO - Dolores County
CO - Douglas County
CO - Eagle County
CO - Elbert County
CO - El Paso County
CO - Fremont County
CO - Garfield County
CO - Gilpin County
CO - Grand County
CO - Gunnison County
CO - Hinsdale County
CO - Huerfano County
CO - Jackson County
CO - Jefferson County
CO - Kiowa County
CO - Kit Carson County
CO - Lake County
CO - La Plata County
CO - Larimer County
CO - Las Animas County
CO - Lincoln County
CO - Logan County
CO - Mesa County
CO - Mineral County
CO - Moffat County
CO - Montezuma County
CO - Montrose County
CO - Morgan County
CO - Otero County
CO - Ouray County
CO - Park County
CO - Phillips County
CO - Pitkin County
CO - Prowers County
CO - Pueblo County
CO - Rio Blanco County
CO - Rio Grande County
CO - Routt County
CO - Saguache County
CO - San Juan County
CO - San Miguel County
CO - Sedgwick County
CO - Summit County
CO - Teller County
CO - Washington County
CO - Weld County
CO - Yuma County
CT - Fairfield County
CT - Hartford County
CT - Litchfield County
CT - Middlesex County
CT - New Haven County
CT - New London County
CT - Tolland County
CT - Windham County
DE - Kent County
DE - New Castle County
DE - Sussex County
DC - District of Columbia County
FL - Alachua County
FL - Baker County
FL - Bay County
FL - Bradford County
FL - Brevard County
FL - Broward County
FL - Calhoun County
FL - Charlotte County
FL - Citrus County
FL - Clay County
FL - Collier County
FL - Columbia County
FL - DeSoto County
FL - Dixie County
FL - Duval County
FL - Escambia County
FL - Flagler County
FL - Franklin County
FL - Gadsden County
FL - Gilchrist County
FL - Glades County
FL - Gulf County
FL - Hamilton County
FL - Hardee County
FL - Hendry County
FL - Hernando County
FL - Highlands County
FL - Hillsborough County
FL - Holmes County
FL - Indian River County
FL - Jackson County
FL - Jefferson County
FL - Lafayette County
FL - Lake County
FL - Lee County
FL - Leon County
FL - Levy County
FL - Liberty County
FL - Madison County
FL - Manatee County
FL - Marion County
FL - Martin County
FL - Miami-Dade County
FL - Monroe County
FL - Nassau County
FL - Okaloosa County
FL - Okeechobee County
FL - Orange County
FL - Osceola County
FL - Palm Beach County
FL - Pasco County
FL - Pinellas County
FL - Polk County
FL - Putnam County
FL - St. Johns County
FL - St. Lucie County
FL - Santa Rosa County
FL - Sarasota County
FL - Seminole County
FL - Sumter County
FL - Suwannee County
FL - Taylor County
FL - Union County
FL - Volusia County
FL - Wakulla County
FL - Walton County
FL - Washington County
GA - Appling County
GA - Atkinson County
GA - Bacon County
GA - Baker County
GA - Baldwin County
GA - Banks County
GA - Barrow County
GA - Bartow County
GA - Ben Hill County
GA - Berrien County
GA - Bibb County
GA - Bleckley County
GA - Brantley County
GA - Brooks County
GA - Bryan County
GA - Bulloch County
GA - Burke County
GA - Butts County
GA - Calhoun County
GA - Camden County
GA - Candler County
GA - Carroll County
GA - Catoosa County
GA - Charlton County
GA - Chatham County
GA - Chattahoochee County
GA - Chattooga County
GA - Cherokee County
GA - Clarke County
GA - Clay County
GA - Clayton County
GA - Clinch County
GA - Cobb County
GA - Coffee County
GA - Colquitt County
GA - Columbia County
GA - Cook County
GA - Coweta County
GA - Crawford County
GA - Crisp County
GA - Dade County
GA - Dawson County
GA - Decatur County
GA - DeKalb County
GA - Dodge County
GA - Dooly County
GA - Dougherty County
GA - Douglas County
GA - Early County
GA - Echols County
GA - Effingham County
GA - Elbert County
GA - Emanuel County
GA - Evans County
GA - Fannin County
GA - Fayette County
GA - Floyd County
GA - Forsyth County
GA - Franklin County
GA - Fulton County
GA - Gilmer County
GA - Glascock County
GA - Glynn County
GA - Gordon County
GA - Grady County
GA - Greene County
GA - Gwinnett County
GA - Habersham County
GA - Hall County
GA - Hancock County
GA - Haralson County
GA - Harris County
GA - Hart County
GA - Heard County
GA - Henry County
GA - Houston County
GA - Irwin County
GA - Jackson County
GA - Jasper County
GA - Jeff Davis County
GA - Jefferson County
GA - Jenkins County
GA - Johnson County
GA - Jones County
GA - Lamar County
GA - Lanier County
GA - Laurens County
GA - Lee County
GA - Liberty County
GA - Lincoln County
GA - Long County
GA - Lowndes County
GA - Lumpkin County
GA - McDuffie County
GA - McIntosh County
GA - Macon County
GA - Madison County
GA - Marion County
GA - Meriwether County
GA - Miller County
GA - Mitchell County
GA - Monroe County
GA - Montgomery County
GA - Morgan County
GA - Murray County
GA - Muscogee County
GA - Newton County
GA - Oconee County
GA - Oglethorpe County
GA - Paulding County
GA - Peach County
GA - Pickens County
GA - Pierce County
GA - Pike County
GA - Polk County
GA - Pulaski County
GA - Putnam County
GA - Quitman County
GA - Rabun County
GA - Randolph County
GA - Richmond County
GA - Rockdale County
GA - Schley County
GA - Screven County
GA - Seminole County
GA - Spalding County
GA - Stephens County
GA - Stewart County
GA - Sumter County
GA - Talbot County
GA - Taliaferro County
GA - Tattnall County
GA - Taylor County
GA - Telfair County
GA - Terrell County
GA - Thomas County
GA - Tift County
GA - Toombs County
GA - Towns County
GA - Treutlen County
GA - Troup County
GA - Turner County
GA - Twiggs County
GA - Union County
GA - Upson County
GA - Walker County
GA - Walton County
GA - Ware County
GA - Warren County
GA - Washington County
GA - Wayne County
GA - Webster County
GA - Wheeler County
GA - White County
GA - Whitfield County
GA - Wilcox County
GA - Wilkes County
GA - Wilkinson County
GA - Worth County
HI - Hawaii County
HI - Honolulu County
HI - Kalawao County
HI - Kauai County
HI - Maui County
ID - Ada County
ID - Adams County
ID - Bannock County
ID - Bear Lake County
ID - Benewah County
ID - Bingham County
ID - Blaine County
ID - Boise County
ID - Bonner County
ID - Bonneville County
ID - Boundary County
ID - Butte County
ID - Camas County
ID - Canyon County
ID - Caribou County
ID - Cassia County
ID - Clark County
ID - Clearwater County
ID - Custer County
ID - Elmore County
ID - Franklin County
ID - Fremont County
ID - Gem County
ID - Gooding County
ID - Idaho County
ID - Jefferson County
ID - Jerome County
ID - Kootenai County
ID - Latah County
ID - Lemhi County
ID - Lewis County
ID - Lincoln County
ID - Madison County
ID - Minidoka County
ID - Nez Perce County
ID - Oneida County
ID - Owyhee County
ID - Payette County
ID - Power County
ID - Shoshone County
ID - Teton County
ID - Twin Falls County
ID - Valley County
ID - Washington County
IL - Adams County
IL - Alexander County
IL - Bond County
IL - Boone County
IL - Brown County
IL - Bureau County
IL - Calhoun County
IL - Carroll County
IL - Cass County
IL - Champaign County
IL - Christian County
IL - Clark County
IL - Clay County
IL - Clinton County
IL - Coles County
IL - Cook County
IL - Crawford County
IL - Cumberland County
IL - DeKalb County
IL - De Witt County
IL - Douglas County
IL - DuPage County
IL - Edgar County
IL - Edwards County
IL - Effingham County
IL - Fayette County
IL - Ford County
IL - Franklin County
IL - Fulton County
IL - Gallatin County
IL - Greene County
IL - Grundy County
IL - Hamilton County
IL - Hancock County
IL - Hardin County
IL - Henderson County
IL - Henry County
IL - Iroquois County
IL - Jackson County
IL - Jasper County
IL - Jefferson County
IL - Jersey County
IL - Jo Daviess County
IL - Johnson County
IL - Kane County
IL - Kankakee County
IL - Kendall County
IL - Knox County
IL - Lake County
IL - LaSalle County
IL - Lawrence County
IL - Lee County
IL - Livingston County
IL - Logan County
IL - McDonough County
IL - McHenry County
IL - McLean County
IL - Macon County
IL - Macoupin County
IL - Madison County
IL - Marion County
IL - Marshall County
IL - Mason County
IL - Massac County
IL - Menard County
IL - Mercer County
IL - Monroe County
IL - Montgomery County
IL - Morgan County
IL - Moultrie County
IL - Ogle County
IL - Peoria County
IL - Perry County
IL - Piatt County
IL - Pike County
IL - Pope County
IL - Pulaski County
IL - Putnam County
IL - Randolph County
IL - Richland County
IL - Rock Island County
IL - St. Clair County
IL - Saline County
IL - Sangamon County
IL - Schuyler County
IL - Scott County
IL - Shelby County
IL - Stark County
IL - Stephenson County
IL - Tazewell County
IL - Union County
IL - Vermilion County
IL - Wabash County
IL - Warren County
IL - Washington County
IL - Wayne County
IL - White County
IL - Whiteside County
IL - Will County
IL - Williamson County
IL - Winnebago County
IL - Woodford County
IN - Adams County
IN - Allen County
IN - Bartholomew County
IN - Benton County
IN - Blackford County
IN - Boone County
IN - Brown County
IN - Carroll County
IN - Cass County
IN - Clark County
IN - Clay County
IN - Clinton County
IN - Crawford County
IN - Daviess County
IN - Dearborn County
IN - Decatur County
IN - DeKalb County
IN - Delaware County
IN - Dubois County
IN - Elkhart County
IN - Fayette County
IN - Floyd County
IN - Fountain County
IN - Franklin County
IN - Fulton County
IN - Gibson County
IN - Grant County
IN - Greene County
IN - Hamilton County
IN - Hancock County
IN - Harrison County
IN - Hendricks County
IN - Henry County
IN - Howard County
IN - Huntington County
IN - Jackson County
IN - Jasper County
IN - Jay County
IN - Jefferson County
IN - Jennings County
IN - Johnson County
IN - Knox County
IN - Kosciusko County
IN - LaGrange County
IN - Lake County
IN - LaPorte County
IN - Lawrence County
IN - Madison County
IN - Marion County
IN - Marshall County
IN - Martin County
IN - Miami County
IN - Monroe County
IN - Montgomery County
IN - Morgan County
IN - Newton County
IN - Noble County
IN - Ohio County
IN - Orange County
IN - Owen County
IN - Parke County
IN - Perry County
IN - Pike County
IN - Porter County
IN - Posey County
IN - Pulaski County
IN - Putnam County
IN - Randolph County
IN - Ripley County
IN - Rush County
IN - St. Joseph County
IN - Scott County
IN - Shelby County
IN - Spencer County
IN - Starke County
IN - Steuben County
IN - Sullivan County
IN - Switzerland County
IN - Tippecanoe County
IN - Tipton County
IN - Union County
IN - Vanderburgh County
IN - Vermillion County
IN - Vigo County
IN - Wabash County
IN - Warren County
IN - Warrick County
IN - Washington County
IN - Wayne County
IN - Wells County
IN - White County
IN - Whitley County
IA - Adair County
IA - Adams County
IA - Allamakee County
IA - Appanoose County
IA - Audubon County
IA - Benton County
IA - Black Hawk County
IA - Boone County
IA - Bremer County
IA - Buchanan County
IA - Buena Vista County
IA - Butler County
IA - Calhoun County
IA - Carroll County
IA - Cass County
IA - Cedar County
IA - Cerro Gordo County
IA - Cherokee County
IA - Chickasaw County
IA - Clarke County
IA - Clay County
IA - Clayton County
IA - Clinton County
IA - Crawford County
IA - Dallas County
IA - Davis County
IA - Decatur County
IA - Delaware County
IA - Des Moines County
IA - Dickinson County
IA - Dubuque County
IA - Emmet County
IA - Fayette County
IA - Floyd County
IA - Franklin County
IA - Fremont County
IA - Greene County
IA - Grundy County
IA - Guthrie County
IA - Hamilton County
IA - Hancock County
IA - Hardin County
IA - Harrison County
IA - Henry County
IA - Howard County
IA - Humboldt County
IA - Ida County
IA - Iowa County
IA - Jackson County
IA - Jasper County
IA - Jefferson County
IA - Johnson County
IA - Jones County
IA - Keokuk County
IA - Kossuth County
IA - Lee County
IA - Linn County
IA - Louisa County
IA - Lucas County
IA - Lyon County
IA - Madison County
IA - Mahaska County
IA - Marion County
IA - Marshall County
IA - Mills County
IA - Mitchell County
IA - Monona County
IA - Monroe County
IA - Montgomery County
IA - Muscatine County
IA - O'Brien County
IA - Osceola County
IA - Page County
IA - Palo Alto County
IA - Plymouth County
IA - Pocahontas County
IA - Polk County
IA - Pottawattamie County
IA - Poweshiek County
IA - Ringgold County
IA - Sac County
IA - Scott County
IA - Shelby County
IA - Sioux County
IA - Story County
IA - Tama County
IA - Taylor County
IA - Union County
IA - Van Buren County
IA - Wapello County
IA - Warren County
IA - Washington County
IA - Wayne County
IA - Webster County
IA - Winnebago County
IA - Winneshiek County
IA - Woodbury County
IA - Worth County
IA - Wright County
KS - Allen County
KS - Anderson County
KS - Atchison County
KS - Barber County
KS - Barton County
KS - Bourbon County
KS - Brown County
KS - Butler County
KS - Chase County
KS - Chautauqua County
KS - Cherokee County
KS - Cheyenne County
KS - Clark County
KS - Clay County
KS - Cloud County
KS - Coffey County
KS - Comanche County
KS - Cowley County
KS - Crawford County
KS - Decatur County
KS - Dickinson County
KS - Doniphan County
KS - Douglas County
KS - Edwards County
KS - Elk County
KS - Ellis County
KS - Ellsworth County
KS - Finney County
KS - Ford County
KS - Franklin County
KS - Geary County
KS - Gove County
KS - Graham County
KS - Grant County
KS - Gray County
KS - Greeley County
KS - Greenwood County
KS - Hamilton County
KS - Harper County
KS - Harvey County
KS - Haskell County
KS - Hodgeman County
KS - Jackson County
KS - Jefferson County
KS - Jewell County
KS - Johnson County
KS - Kearny County
KS - Kingman County
KS - Kiowa County
KS - Labette County
KS - Lane County
KS - Leavenworth County
KS - Lincoln County
KS - Linn County
KS - Logan County
KS - Lyon County
KS - McPherson County
KS - Marion County
KS - Marshall County
KS - Meade County
KS - Miami County
KS - Mitchell County
KS - Montgomery County
KS - Morris County
KS - Morton County
KS - Nemaha County
KS - Neosho County
KS - Ness County
KS - Norton County
KS - Osage County
KS - Osborne County
KS - Ottawa County
KS - Pawnee County
KS - Phillips County
KS - Pottawatomie County
KS - Pratt County
KS - Rawlins County
KS - Reno County
KS - Republic County
KS - Rice County
KS - Riley County
KS - Rooks County
KS - Rush County
KS - Russell County
KS - Saline County
KS - Scott County
KS - Sedgwick County
KS - Seward County
KS - Shawnee County
KS - Sheridan County
KS - Sherman County
KS - Smith County
KS - Stafford County
KS - Stanton County
KS - Stevens County
KS - Sumner County
KS - Thomas County
KS - Trego County
KS - Wabaunsee County
KS - Wallace County
KS - Washington County
KS - Wichita County
KS - Wilson County
KS - Woodson County
KS - Wyandotte County
KY - Adair County
KY - Allen County
KY - Anderson County
KY - Ballard County
KY - Barren County
KY - Bath County
KY - Bell County
KY - Boone County
KY - Bourbon County
KY - Boyd County
KY - Boyle County
KY - Bracken County
KY - Breathitt County
KY - Breckinridge County
KY - Bullitt County
KY - Butler County
KY - Caldwell County
KY - Calloway County
KY - Campbell County
KY - Carlisle County
KY - Carroll County
KY - Carter County
KY - Casey County
KY - Christian County
KY - Clark County
KY - Clay County
KY - Clinton County
KY - Crittenden County
KY - Cumberland County
KY - Daviess County
KY - Edmonson County
KY - Elliott County
KY - Estill County
KY - Fayette County
KY - Fleming County
KY - Floyd County
KY - Franklin County
KY - Fulton County
KY - Gallatin County
KY - Garrard County
KY - Grant County
KY - Graves County
KY - Grayson County
KY - Green County
KY - Greenup County
KY - Hancock County
KY - Hardin County
KY - Harlan County
KY - Harrison County
KY - Hart County
KY - Henderson County
KY - Henry County
KY - Hickman County
KY - Hopkins County
KY - Jackson County
KY - Jefferson County
KY - Jessamine County
KY - Johnson County
KY - Kenton County
KY - Knott County
KY - Knox County
KY - Larue County
KY - Laurel County
KY - Lawrence County
KY - Lee County
KY - Leslie County
KY - Letcher County
KY - Lewis County
KY - Lincoln County
KY - Livingston County
KY - Logan County
KY - Lyon County
KY - McCracken County
KY - McCreary County
KY - McLean County
KY - Madison County
KY - Magoffin County
KY - Marion County
KY - Marshall County
KY - Martin County
KY - Mason County
KY - Meade County
KY - Menifee County
KY - Mercer County
KY - Metcalfe County
KY - Monroe County
KY - Montgomery County
KY - Morgan County
KY - Muhlenberg County
KY - Nelson County
KY - Nicholas County
KY - Ohio County
KY - Oldham County
KY - Owen County
KY - Owsley County
KY - Pendleton County
KY - Perry County
KY - Pike County
KY - Powell County
KY - Pulaski County
KY - Robertson County
KY - Rockcastle County
KY - Rowan County
KY - Russell County
KY - Scott County
KY - Shelby County
KY - Simpson County
KY - Spencer County
KY - Taylor County
KY - Todd County
KY - Trigg County
KY - Trimble County
KY - Union County
KY - Warren County
KY - Washington County
KY - Wayne County
KY - Webster County
KY - Whitley County
KY - Wolfe County
KY - Woodford County
LA - Acadia Parish County
LA - Allen Parish County
LA - Ascension Parish County
LA - Assumption Parish County
LA - Avoyelles Parish County
LA - Beauregard Parish County
LA - Bienville Parish County
LA - Bossier Parish County
LA - Caddo Parish County
LA - Calcasieu Parish County
LA - Caldwell Parish County
LA - Cameron Parish County
LA - Catahoula Parish County
LA - Claiborne Parish County
LA - Concordia Parish County
LA - De Soto Parish County
LA - East Baton Rouge Parish County
LA - East Carroll Parish County
LA - East Feliciana Parish County
LA - Evangeline Parish County
LA - Franklin Parish County
LA - Grant Parish County
LA - Iberia Parish County
LA - Iberville Parish County
LA - Jackson Parish County
LA - Jefferson Parish County
LA - Jefferson Davis Parish County
LA - Lafayette Parish County
LA - Lafourche Parish County
LA - La Salle Parish County
LA - Lincoln Parish County
LA - Livingston Parish County
LA - Madison Parish County
LA - Morehouse Parish County
LA - Natchitoches Parish County
LA - Orleans Parish County
LA - Ouachita Parish County
LA - Plaquemines Parish County
LA - Pointe Coupee Parish County
LA - Rapides Parish County
LA - Red River Parish County
LA - Richland Parish County
LA - Sabine Parish County
LA - St. Bernard Parish County
LA - St. Charles Parish County
LA - St. Helena Parish County
LA - St. James Parish County
LA - St. John the Baptist Parish County
LA - St. Landry Parish County
LA - St. Martin Parish County
LA - St. Mary Parish County
LA - St. Tammany Parish County
LA - Tangipahoa Parish County
LA - Tensas Parish County
LA - Terrebonne Parish County
LA - Union Parish County
LA - Vermilion Parish County
LA - Vernon Parish County
LA - Washington Parish County
LA - Webster Parish County
LA - West Baton Rouge Parish County
LA - West Carroll Parish County
LA - West Feliciana Parish County
LA - Winn Parish County
ME - Androscoggin County
ME - Aroostook County
ME - Cumberland County
ME - Franklin County
ME - Hancock County
ME - Kennebec County
ME - Knox County
ME - Lincoln County
ME - Oxford County
ME - Penobscot County
ME - Piscataquis County
ME - Sagadahoc County
ME - Somerset County
ME - Waldo County
ME - Washington County
ME - York County
MD - Allegany County
MD - Anne Arundel County
MD - Baltimore County
MD - Calvert County
MD - Caroline County
MD - Carroll County
MD - Cecil County
MD - Charles County
MD - Dorchester County
MD - Frederick County
MD - Garrett County
MD - Harford County
MD - Howard County
MD - Kent County
MD - Montgomery County
MD - Prince George's County
MD - Queen Anne's County
MD - St. Mary's County
MD - Somerset County
MD - Talbot County
MD - Washington County
MD - Wicomico County
MD - Worcester County
MD - Baltimore city County
MA - Barnstable County
MA - Berkshire County
MA - Bristol County
MA - Dukes County
MA - Essex County
MA - Franklin County
MA - Hampden County
MA - Hampshire County
MA - Middlesex County
MA - Nantucket County
MA - Norfolk County
MA - Plymouth County
MA - Suffolk County
MA - Worcester County
MI - Alcona County
MI - Alger County
MI - Allegan County
MI - Alpena County
MI - Antrim County
MI - Arenac County
MI - Baraga County
MI - Barry County
MI - Bay County
MI - Benzie County
MI - Berrien County
MI - Branch County
MI - Calhoun County
MI - Cass County
MI - Charlevoix County
MI - Cheboygan County
MI - Chippewa County
MI - Clare County
MI - Clinton County
MI - Crawford County
MI - Delta County
MI - Dickinson County
MI - Eaton County
MI - Emmet County
MI - Genesee County
MI - Gladwin County
MI - Gogebic County
MI - Grand Traverse County
MI - Gratiot County
MI - Hillsdale County
MI - Houghton County
MI - Huron County
MI - Ingham County
MI - Ionia County
MI - Iosco County
MI - Iron County
MI - Isabella County
MI - Jackson County
MI - Kalamazoo County
MI - Kalkaska County
MI - Kent County
MI - Keweenaw County
MI - Lake County
MI - Lapeer County
MI - Leelanau County
MI - Lenawee County
MI - Livingston County
MI - Luce County
MI - Mackinac County
MI - Macomb County
MI - Manistee County
MI - Marquette County
MI - Mason County
MI - Mecosta County
MI - Menominee County
MI - Midland County
MI - Missaukee County
MI - Monroe County
MI - Montcalm County
MI - Montmorency County
MI - Muskegon County
MI - Newaygo County
MI - Oakland County
MI - Oceana County
MI - Ogemaw County
MI - Ontonagon County
MI - Osceola County
MI - Oscoda County
MI - Otsego County
MI - Ottawa County
MI - Presque Isle County
MI - Roscommon County
MI - Saginaw County
MI - St. Clair County
MI - St. Joseph County
MI - Sanilac County
MI - Schoolcraft County
MI - Shiawassee County
MI - Tuscola County
MI - Van Buren County
MI - Washtenaw County
MI - Wayne County
MI - Wexford County
MN - Aitkin County
MN - Anoka County
MN - Becker County
MN - Beltrami County
MN - Benton County
MN - Big Stone County
MN - Blue Earth County
MN - Brown County
MN - Carlton County
MN - Carver County
MN - Cass County
MN - Chippewa County
MN - Chisago County
MN - Clay County
MN - Clearwater County
MN - Cook County
MN - Cottonwood County
MN - Crow Wing County
MN - Dakota County
MN - Dodge County
MN - Douglas County
MN - Faribault County
MN - Fillmore County
MN - Freeborn County
MN - Goodhue County
MN - Grant County
MN - Hennepin County
MN - Houston County
MN - Hubbard County
MN - Isanti County
MN - Itasca County
MN - Jackson County
MN - Kanabec County
MN - Kandiyohi County
MN - Kittson County
MN - Koochiching County
MN - Lac qui Parle County
MN - Lake County
MN - Lake of the Woods County
MN - Le Sueur County
MN - Lincoln County
MN - Lyon County
MN - McLeod County
MN - Mahnomen County
MN - Marshall County
MN - Martin County
MN - Meeker County
MN - Mille Lacs County
MN - Morrison County
MN - Mower County
MN - Murray County
MN - Nicollet County
MN - Nobles County
MN - Norman County
MN - Olmsted County
MN - Otter Tail County
MN - Pennington County
MN - Pine County
MN - Pipestone County
MN - Polk County
MN - Pope County
MN - Ramsey County
MN - Red Lake County
MN - Redwood County
MN - Renville County
MN - Rice County
MN - Rock County
MN - Roseau County
MN - St. Louis County
MN - Scott County
MN - Sherburne County
MN - Sibley County
MN - Stearns County
MN - Steele County
MN - Stevens County
MN - Swift County
MN - Todd County
MN - Traverse County
MN - Wabasha County
MN - Wadena County
MN - Waseca County
MN - Washington County
MN - Watonwan County
MN - Wilkin County
MN - Winona County
MN - Wright County
MN - Yellow Medicine County
MS - Adams County
MS - Alcorn County
MS - Amite County
MS - Attala County
MS - Benton County
MS - Bolivar County
MS - Calhoun County
MS - Carroll County
MS - Chickasaw County
MS - Choctaw County
MS - Claiborne County
MS - Clarke County
MS - Clay County
MS - Coahoma County
MS - Copiah County
MS - Covington County
MS - DeSoto County
MS - Forrest County
MS - Franklin County
MS - George County
MS - Greene County
MS - Grenada County
MS - Hancock County
MS - Harrison County
MS - Hinds County
MS - Holmes County
MS - Humphreys County
MS - Issaquena County
MS - Itawamba County
MS - Jackson County
MS - Jasper County
MS - Jefferson County
MS - Jefferson Davis County
MS - Jones County
MS - Kemper County
MS - Lafayette County
MS - Lamar County
MS - Lauderdale County
MS - Lawrence County
MS - Leake County
MS - Lee County
MS - Leflore County
MS - Lincoln County
MS - Lowndes County
MS - Madison County
MS - Marion County
MS - Marshall County
MS - Monroe County
MS - Montgomery County
MS - Neshoba County
MS - Newton County
MS - Noxubee County
MS - Oktibbeha County
MS - Panola County
MS - Pearl River County
MS - Perry County
MS - Pike County
MS - Pontotoc County
MS - Prentiss County
MS - Quitman County
MS - Rankin County
MS - Scott County
MS - Sharkey County
MS - Simpson County
MS - Smith County
MS - Stone County
MS - Sunflower County
MS - Tallahatchie County
MS - Tate County
MS - Tippah County
MS - Tishomingo County
MS - Tunica County
MS - Union County
MS - Walthall County
MS - Warren County
MS - Washington County
MS - Wayne County
MS - Webster County
MS - Wilkinson County
MS - Winston County
MS - Yalobusha County
MS - Yazoo County
MO - Adair County
MO - Andrew County
MO - Atchison County
MO - Audrain County
MO - Barry County
MO - Barton County
MO - Bates County
MO - Benton County
MO - Bollinger County
MO - Boone County
MO - Buchanan County
MO - Butler County
MO - Caldwell County
MO - Callaway County
MO - Camden County
MO - Cape Girardeau County
MO - Carroll County
MO - Carter County
MO - Cass County
MO - Cedar County
MO - Chariton County
MO - Christian County
MO - Clark County
MO - Clay County
MO - Clinton County
MO - Cole County
MO - Cooper County
MO - Crawford County
MO - Dade County
MO - Dallas County
MO - Daviess County
MO - DeKalb County
MO - Dent County
MO - Douglas County
MO - Dunklin County
MO - Franklin County
MO - Gasconade County
MO - Gentry County
MO - Greene County
MO - Grundy County
MO - Harrison County
MO - Henry County
MO - Hickory County
MO - Holt County
MO - Howard County
MO - Howell County
MO - Iron County
MO - Jackson County
MO - Jasper County
MO - Jefferson County
MO - Johnson County
MO - Knox County
MO - Laclede County
MO - Lafayette County
MO - Lawrence County
MO - Lewis County
MO - Lincoln County
MO - Linn County
MO - Livingston County
MO - McDonald County
MO - Macon County
MO - Madison County
MO - Maries County
MO - Marion County
MO - Mercer County
MO - Miller County
MO - Mississippi County
MO - Moniteau County
MO - Monroe County
MO - Montgomery County
MO - Morgan County
MO - New Madrid County
MO - Newton County
MO - Nodaway County
MO - Oregon County
MO - Osage County
MO - Ozark County
MO - Pemiscot County
MO - Perry County
MO - Pettis County
MO - Phelps County
MO - Pike County
MO - Platte County
MO - Polk County
MO - Pulaski County
MO - Putnam County
MO - Ralls County
MO - Randolph County
MO - Ray County
MO - Reynolds County
MO - Ripley County
MO - St. Charles County
MO - St. Clair County
MO - Ste. Genevieve County
MO - St. Francois County
MO - St. Louis County
MO - Saline County
MO - Schuyler County
MO - Scotland County
MO - Scott County
MO - Shannon County
MO - Shelby County
MO - Stoddard County
MO - Stone County
MO - Sullivan County
MO - Taney County
MO - Texas County
MO - Vernon County
MO - Warren County
MO - Washington County
MO - Wayne County
MO - Webster County
MO - Worth County
MO - Wright County
MO - St. Louis city County
MT - Beaverhead County
MT - Big Horn County
MT - Blaine County
MT - Broadwater County
MT - Carbon County
MT - Carter County
MT - Cascade County
MT - Chouteau County
MT - Custer County
MT - Daniels County
MT - Dawson County
MT - Deer Lodge County
MT - Fallon County
MT - Fergus County
MT - Flathead County
MT - Gallatin County
MT - Garfield County
MT - Glacier County
MT - Golden Valley County
MT - Granite County
MT - Hill County
MT - Jefferson County
MT - Judith Basin County
MT - Lake County
MT - Lewis and Clark County
MT - Liberty County
MT - Lincoln County
MT - McCone County
MT - Madison County
MT - Meagher County
MT - Mineral County
MT - Missoula County
MT - Musselshell County
MT - Park County
MT - Petroleum County
MT - Phillips County
MT - Pondera County
MT - Powder River County
MT - Powell County
MT - Prairie County
MT - Ravalli County
MT - Richland County
MT - Roosevelt County
MT - Rosebud County
MT - Sanders County
MT - Sheridan County
MT - Silver Bow County
MT - Stillwater County
MT - Sweet Grass County
MT - Teton County
MT - Toole County
MT - Treasure County
MT - Valley County
MT - Wheatland County
MT - Wibaux County
MT - Yellowstone County
NE - Adams County
NE - Antelope County
NE - Arthur County
NE - Banner County
NE - Blaine County
NE - Boone County
NE - Box Butte County
NE - Boyd County
NE - Brown County
NE - Buffalo County
NE - Burt County
NE - Butler County
NE - Cass County
NE - Cedar County
NE - Chase County
NE - Cherry County
NE - Cheyenne County
NE - Clay County
NE - Colfax County
NE - Cuming County
NE - Custer County
NE - Dakota County
NE - Dawes County
NE - Dawson County
NE - Deuel County
NE - Dixon County
NE - Dodge County
NE - Douglas County
NE - Dundy County
NE - Fillmore County
NE - Franklin County
NE - Frontier County
NE - Furnas County
NE - Gage County
NE - Garden County
NE - Garfield County
NE - Gosper County
NE - Grant County
NE - Greeley County
NE - Hall County
NE - Hamilton County
NE - Harlan County
NE - Hayes County
NE - Hitchcock County
NE - Holt County
NE - Hooker County
NE - Howard County
NE - Jefferson County
NE - Johnson County
NE - Kearney County
NE - Keith County
NE - Keya Paha County
NE - Kimball County
NE - Knox County
NE - Lancaster County
NE - Lincoln County
NE - Logan County
NE - Loup County
NE - McPherson County
NE - Madison County
NE - Merrick County
NE - Morrill County
NE - Nance County
NE - Nemaha County
NE - Nuckolls County
NE - Otoe County
NE - Pawnee County
NE - Perkins County
NE - Phelps County
NE - Pierce County
NE - Platte County
NE - Polk County
NE - Red Willow County
NE - Richardson County
NE - Rock County
NE - Saline County
NE - Sarpy County
NE - Saunders County
NE - Scotts Bluff County
NE - Seward County
NE - Sheridan County
NE - Sherman County
NE - Sioux County
NE - Stanton County
NE - Thayer County
NE - Thomas County
NE - Thurston County
NE - Valley County
NE - Washington County
NE - Wayne County
NE - Webster County
NE - Wheeler County
NE - York County
NV - Churchill County
NV - Clark County
NV - Douglas County
NV - Elko County
NV - Esmeralda County
NV - Eureka County
NV - Humboldt County
NV - Lander County
NV - Lincoln County
NV - Lyon County
NV - Mineral County
NV - Nye County
NV - Pershing County
NV - Storey County
NV - Washoe County
NV - White Pine County
NV - Carson City County
NH - Belknap County
NH - Carroll County
NH - Cheshire County
NH - Coos County
NH - Grafton County
NH - Hillsborough County
NH - Merrimack County
NH - Rockingham County
NH - Strafford County
NH - Sullivan County
NJ - Atlantic County
NJ - Bergen County
NJ - Burlington County
NJ - Camden County
NJ - Cape May County
NJ - Cumberland County
NJ - Essex County
NJ - Gloucester County
NJ - Hudson County
NJ - Hunterdon County
NJ - Mercer County
NJ - Middlesex County
NJ - Monmouth County
NJ - Morris County
NJ - Ocean County
NJ - Passaic County
NJ - Salem County
NJ - Somerset County
NJ - Sussex County
NJ - Union County
NJ - Warren County
NM - Bernalillo County
NM - Catron County
NM - Chaves County
NM - Cibola County
NM - Colfax County
NM - Curry County
NM - De Baca County
NM - Dona Ana County
NM - Eddy County
NM - Grant County
NM - Guadalupe County
NM - Harding County
NM - Hidalgo County
NM - Lea County
NM - Lincoln County
NM - Los Alamos County
NM - Luna County
NM - McKinley County
NM - Mora County
NM - Otero County
NM - Quay County
NM - Rio Arriba County
NM - Roosevelt County
NM - Sandoval County
NM - San Juan County
NM - San Miguel County
NM - Santa Fe County
NM - Sierra County
NM - Socorro County
NM - Taos County
NM - Torrance County
NM - Union County
NM - Valencia County
NY - Albany County
NY - Allegany County
NY - Bronx County
NY - Broome County
NY - Cattaraugus County
NY - Cayuga County
NY - Chautauqua County
NY - Chemung County
NY - Chenango County
NY - Clinton County
NY - Columbia County
NY - Cortland County
NY - Delaware County
NY - Dutchess County
NY - Erie County
NY - Essex County
NY - Franklin County
NY - Fulton County
NY - Genesee County
NY - Greene County
NY - Hamilton County
NY - Herkimer County
NY - Jefferson County
NY - Kings County
NY - Lewis County
NY - Livingston County
NY - Madison County
NY - Monroe County
NY - Montgomery County
NY - Nassau County
NY - New York County
NY - Niagara County
NY - Oneida County
NY - Onondaga County
NY - Ontario County
NY - Orange County
NY - Orleans County
NY - Oswego County
NY - Otsego County
NY - Putnam County
NY - Queens County
NY - Rensselaer County
NY - Richmond County
NY - Rockland County
NY - St. Lawrence County
NY - Saratoga County
NY - Schenectady County
NY - Schoharie County
NY - Schuyler County
NY - Seneca County
NY - Steuben County
NY - Suffolk County
NY - Sullivan County
NY - Tioga County
NY - Tompkins County
NY - Ulster County
NY - Warren County
NY - Washington County
NY - Wayne County
NY - Westchester County
NY - Wyoming County
NY - Yates County
NC - Alamance County
NC - Alexander County
NC - Alleghany County
NC - Anson County
NC - Ashe County
NC - Avery County
NC - Beaufort County
NC - Bertie County
NC - Bladen County
NC - Brunswick County
NC - Buncombe County
NC - Burke County
NC - Cabarrus County
NC - Caldwell County
NC - Camden County
NC - Carteret County
NC - Caswell County
NC - Catawba County
NC - Chatham County
NC - Cherokee County
NC - Chowan County
NC - Clay County
NC - Cleveland County
NC - Columbus County
NC - Craven County
NC - Cumberland County
NC - Currituck County
NC - Dare County
NC - Davidson County
NC - Davie County
NC - Duplin County
NC - Durham County
NC - Edgecombe County
NC - Forsyth County
NC - Franklin County
NC - Gaston County
NC - Gates County
NC - Graham County
NC - Granville County
NC - Greene County
NC - Guilford County
NC - Halifax County
NC - Harnett County
NC - Haywood County
NC - Henderson County
NC - Hertford County
NC - Hoke County
NC - Hyde County
NC - Iredell County
NC - Jackson County
NC - Johnston County
NC - Jones County
NC - Lee County
NC - Lenoir County
NC - Lincoln County
NC - McDowell County
NC - Macon County
NC - Madison County
NC - Martin County
NC - Mecklenburg County
NC - Mitchell County
NC - Montgomery County
NC - Moore County
NC - Nash County
NC - New Hanover County
NC - Northampton County
NC - Onslow County
NC - Orange County
NC - Pamlico County
NC - Pasquotank County
NC - Pender County
NC - Perquimans County
NC - Person County
NC - Pitt County
NC - Polk County
NC - Randolph County
NC - Richmond County
NC - Robeson County
NC - Rockingham County
NC - Rowan County
NC - Rutherford County
NC - Sampson County
NC - Scotland County
NC - Stanly County
NC - Stokes County
NC - Surry County
NC - Swain County
NC - Transylvania County
NC - Tyrrell County
NC - Union County
NC - Vance County
NC - Wake County
NC - Warren County
NC - Washington County
NC - Watauga County
NC - Wayne County
NC - Wilkes County
NC - Wilson County
NC - Yadkin County
NC - Yancey County
ND - Adams County
ND - Barnes County
ND - Benson County
ND - Billings County
ND - Bottineau County
ND - Bowman County
ND - Burke County
ND - Burleigh County
ND - Cass County
ND - Cavalier County
ND - Dickey County
ND - Divide County
ND - Dunn County
ND - Eddy County
ND - Emmons County
ND - Foster County
ND - Golden Valley County
ND - Grand Forks County
ND - Grant County
ND - Griggs County
ND - Hettinger County
ND - Kidder County
ND - LaMoure County
ND - Logan County
ND - McHenry County
ND - McIntosh County
ND - McKenzie County
ND - McLean County
ND - Mercer County
ND - Morton County
ND - Mountrail County
ND - Nelson County
ND - Oliver County
ND - Pembina County
ND - Pierce County
ND - Ramsey County
ND - Ransom County
ND - Renville County
ND - Richland County
ND - Rolette County
ND - Sargent County
ND - Sheridan County
ND - Sioux County
ND - Slope County
ND - Stark County
ND - Steele County
ND - Stutsman County
ND - Towner County
ND - Traill County
ND - Walsh County
ND - Ward County
ND - Wells County
ND - Williams County
OH - Adams County
OH - Allen County
OH - Ashland County
OH - Ashtabula County
OH - Athens County
OH - Auglaize County
OH - Belmont County
OH - Brown County
OH - Butler County
OH - Carroll County
OH - Champaign County
OH - Clark County
OH - Clermont County
OH - Clinton County
OH - Columbiana County
OH - Coshocton County
OH - Crawford County
OH - Cuyahoga County
OH - Darke County
OH - Defiance County
OH - Delaware County
OH - Erie County
OH - Fairfield County
OH - Fayette County
OH - Franklin County
OH - Fulton County
OH - Gallia County
OH - Geauga County
OH - Greene County
OH - Guernsey County
OH - Hamilton County
OH - Hancock County
OH - Hardin County
OH - Harrison County
OH - Henry County
OH - Highland County
OH - Hocking County
OH - Holmes County
OH - Huron County
OH - Jackson County
OH - Jefferson County
OH - Knox County
OH - Lake County
OH - Lawrence County
OH - Licking County
OH - Logan County
OH - Lorain County
OH - Lucas County
OH - Madison County
OH - Mahoning County
OH - Marion County
OH - Medina County
OH - Meigs County
OH - Mercer County
OH - Miami County
OH - Monroe County
OH - Montgomery County
OH - Morgan County
OH - Morrow County
OH - Muskingum County
OH - Noble County
OH - Ottawa County
OH - Paulding County
OH - Perry County
OH - Pickaway County
OH - Pike County
OH - Portage County
OH - Preble County
OH - Putnam County
OH - Richland County
OH - Ross County
OH - Sandusky County
OH - Scioto County
OH - Seneca County
OH - Shelby County
OH - Stark County
OH - Summit County
OH - Trumbull County
OH - Tuscarawas County
OH - Union County
OH - Van Wert County
OH - Vinton County
OH - Warren County
OH - Washington County
OH - Wayne County
OH - Williams County
OH - Wood County
OH - Wyandot County
OK - Adair County
OK - Alfalfa County
OK - Atoka County
OK - Beaver County
OK - Beckham County
OK - Blaine County
OK - Bryan County
OK - Caddo County
OK - Canadian County
OK - Carter County
OK - Cherokee County
OK - Choctaw County
OK - Cimarron County
OK - Cleveland County
OK - Coal County
OK - Comanche County
OK - Cotton County
OK - Craig County
OK - Creek County
OK - Custer County
OK - Delaware County
OK - Dewey County
OK - Ellis County
OK - Garfield County
OK - Garvin County
OK - Grady County
OK - Grant County
OK - Greer County
OK - Harmon County
OK - Harper County
OK - Haskell County
OK - Hughes County
OK - Jackson County
OK - Jefferson County
OK - Johnston County
OK - Kay County
OK - Kingfisher County
OK - Kiowa County
OK - Latimer County
OK - Le Flore County
OK - Lincoln County
OK - Logan County
OK - Love County
OK - McClain County
OK - McCurtain County
OK - McIntosh County
OK - Major County
OK - Marshall County
OK - Mayes County
OK - Murray County
OK - Muskogee County
OK - Noble County
OK - Nowata County
OK - Okfuskee County
OK - Oklahoma County
OK - Okmulgee County
OK - Osage County
OK - Ottawa County
OK - Pawnee County
OK - Payne County
OK - Pittsburg County
OK - Pontotoc County
OK - Pottawatomie County
OK - Pushmataha County
OK - Roger Mills County
OK - Rogers County
OK - Seminole County
OK - Sequoyah County
OK - Stephens County
OK - Texas County
OK - Tillman County
OK - Tulsa County
OK - Wagoner County
OK - Washington County
OK - Washita County
OK - Woods County
OK - Woodward County
OR - Baker County
OR - Benton County
OR - Clackamas County
OR - Clatsop County
OR - Columbia County
OR - Coos County
OR - Crook County
OR - Curry County
OR - Deschutes County
OR - Douglas County
OR - Gilliam County
OR - Grant County
OR - Harney County
OR - Hood River County
OR - Jackson County
OR - Jefferson County
OR - Josephine County
OR - Klamath County
OR - Lake County
OR - Lane County
OR - Lincoln County
OR - Linn County
OR - Malheur County
OR - Marion County
OR - Morrow County
OR - Multnomah County
OR - Polk County
OR - Sherman County
OR - Tillamook County
OR - Umatilla County
OR - Union County
OR - Wallowa County
OR - Wasco County
OR - Washington County
OR - Wheeler County
OR - Yamhill County
PA - Adams County
PA - Allegheny County
PA - Armstrong County
PA - Beaver County
PA - Bedford County
PA - Berks County
PA - Blair County
PA - Bradford County
PA - Bucks County
PA - Butler County
PA - Cambria County
PA - Cameron County
PA - Carbon County
PA - Centre County
PA - Chester County
PA - Clarion County
PA - Clearfield County
PA - Clinton County
PA - Columbia County
PA - Crawford County
PA - Cumberland County
PA - Dauphin County
PA - Delaware County
PA - Elk County
PA - Erie County
PA - Fayette County
PA - Forest County
PA - Franklin County
PA - Fulton County
PA - Greene County
PA - Huntingdon County
PA - Indiana County
PA - Jefferson County
PA - Juniata County
PA - Lackawanna County
PA - Lancaster County
PA - Lawrence County
PA - Lebanon County
PA - Lehigh County
PA - Luzerne County
PA - Lycoming County
PA - McKean County
PA - Mercer County
PA - Mifflin County
PA - Monroe County
PA - Montgomery County
PA - Montour County
PA - Northampton County
PA - Northumberland County
PA - Perry County
PA - Philadelphia County
PA - Pike County
PA - Potter County
PA - Schuylkill County
PA - Snyder County
PA - Somerset County
PA - Sullivan County
PA - Susquehanna County
PA - Tioga County
PA - Union County
PA - Venango County
PA - Warren County
PA - Washington County
PA - Wayne County
PA - Westmoreland County
PA - Wyoming County
PA - York County
RI - Bristol County
RI - Kent County
RI - Newport County
RI - Providence County
RI - Washington County
SC - Abbeville County
SC - Aiken County
SC - Allendale County
SC - Anderson County
SC - Bamberg County
SC - Barnwell County
SC - Beaufort County
SC - Berkeley County
SC - Calhoun County
SC - Charleston County
SC - Cherokee County
SC - Chester County
SC - Chesterfield County
SC - Clarendon County
SC - Colleton County
SC - Darlington County
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What You Should Know About an Individual Coverage HRA 

HRAs, or health reimbursement plans, allow employees to be reimbursed tax-free by employers for healthcare fees while still retaining flexibility regarding their coverage. There are many different kinds of HRAs, and what kind you choose for your workplace will depend on a variety of factors. In this article, we will take a look at individual coverage HRAs, some of the advantages they offer, and a few general things to keep in mind when considering them for your workplace. We will also look into ICHRAs and QSEHRAs, and explain the differences to help you navigate the confusing world of health insurance.

What is an Individual Coverage HRA? 

An individual coverage health reimbursement arrangement, or individual coverage HRA (ICHRA), is an employer-sponsored health plan which reimburses employees tax-free for certain health care-relaxed expenses, usually in the form of a set dollar amount. This HRA is separate from a qualified small employer health reimbursement arrangement (or QSEHRA), which will be discussed later. 

One of the most alluring aspects of an ICHRA is that employees are free to shop for a health insurance plan or policy that works for them instead of the employer making a choice for every employee. Employees can benefit from ICHRAs because of their customizability – if an employee’s existing health insurance plan qualifies, they can retain their policy with no problem. Additionally, business owners that divide employees into certain classes can then offer different allowance amounts and health benefits based on their positions within the company. There are eleven different employee classes covered with an ICHRA. They are:

  • Full-time employees

  • Part-time employees

  • Seasonal employees

  • Hourly employees

  • Employees covered under collective bargaining agreements

  • Employees in a waiting period for their benefits

  • Employees who work abroad

  • Employees in different locations (based on rating areas)

  • Temporary employees

  • Employees who are salaried

  • A combination of two or more

A health reimbursement arrangement, otherwise known as an HRA, is a type of insurance plan that helps businesses provide health care options for employees. HRAs tend to be attractive options for employees because they allow flexibility when choosing plans. There are numerous questions people commonly ask about HRAs and health reimbursement arrangement rules, like “What happens to unused HRA funds?” There are several IRS rules for health reimbursement plans and stipulations about who qualifies, how companies can apply for tax credits, and more. Broadly speaking, the employer is the owner of the HRA. However, employees are entitled to a 90-day period after parting ways with the company, during which they are still eligible to ‘catch up on any outstanding reimbursement requests that happened while they were still covered as employees of the company.

In addition, when an employee leaves the company or is let go, they can take their HRA with them, as well as transfer it to another job. Any unused HRA money can be rolled over from year to year, so employees never have to worry about using or losing their funds.

Health reimbursement account-eligible expenses are generally things like regular doctor visits, hospital visits, lab fees, and many over-the-counter medicines and treatments. The IRS keeps an official list of all eligible expenses, which employees can reference to understand what their HRA can be used for. When in doubt, employees should always double-check to ensure all expenses they want to use the HRA for are eligible.

What is an ICHRA?

An individual coverage health reimbursement arrangement (ICHRA) is a type of group health plan which enables employers, both small and large, to provide their employees with tax-free reimbursements for expenses related to individual health insurance premiums, as well as, occasionally, other eligible medical expenses.

 

In order to better understand the attributes and capabilities of an ICHRA health plan, it can be helpful to assess the ICHRA's pros and cons.

One of the most significant pros for ICHRAs is that ICHRA funds are not required to be reported as income when employees file their taxes. One potential drawback to ICHRAs is that they are relatively new, and they can sometimes result in higher fees for employees. However, for many others, the ability to choose your own plan, as well as take it with you, is far worth any small downsides. For these reasons and others, ICHRA plans are popular among companies in the following industries: construction, food service, healthcare, hospitality, manufacturing, and landscaping, among others. 

There are HRA rules for employers and HRA rules for employees, and business owners need to have a firm understanding of the laws and regulations surrounding health insurance plans for their employees. For a complete list of rules for both employers and employees regarding health reimbursement arrangements, you can visit the Internal Revenue Service (IRS) website and access informative documents like final regulations, frequently asked questions, and other important forms. 

What is an HRA?

So we’ve addressed one type of HRA but haven’t necessarily gone into the details about what an HRA is. So what is HRA insurance? And how does an HRA work? Before deciding whether or not an HRA plan would suit your business, it’s important to understand HRA account pros and cons, as well as the primary differences between programs like HRA vs. FSA – FSAs, also known as flexible spending accounts, are another type of account that can be used to help cover qualifying healthcare expenses. 

When considering an HRA vs. HSA, it’s important to remember that the employer is fully responsible for ownership and funding of the HRA account. However, an HSA (health savings account) belongs to individual employees. While ownership is the primary difference between the two, several other important distinctions can help decide which option might be best for your organization. For example, HRAs tend to be better suited for companies that seek to retain their employees. 

HRAs can be great for companies and their employees as well because of the numerous health and tax benefits they can provide. Companies and business owners that work hard to provide their employees with access to the health care that they and their families need can generally expect to see reduced employee turnover, higher levels of employee satisfaction, and even more robust productivity levels and attendance since employees have access to health care when they need it. The advantages are far-reaching beyond tax benefits and attracting talent to your organization – providing affordable healthcare options to employees can help reduce office or workplace-borne illnesses while promoting an atmosphere and company culture that values general health and wellness initiatives. 

How Does an HRA Work?

With so many HRA account pros and cons and HRA account rules, it can be a lot to comprehend. So how does an HRA work, exactly? Firstly, the HRA is owned and funded completely by the employer, and the employer decides whether or not unused HRA funds can roll over to the next calendar year. If you’re wondering, “Can I withdraw money from my HRA account?” The answer is no; employers are responsible for the reimbursement of HRAs, and money can only be withdrawn to cover qualifying medical expenses. 

There are also several different types of HRA – some of which we have discussed in this article – and some of them are better suited to certain industries and types of businesses. Generally, when an employee gets hired at a company, they find out during the onboarding process the kind of health insurance plans the organization offers and how much money the employer has decided to provide in an HRA fund. Individuals who decide not to sign up for their company’s HRA plan may have to wait until the next open enrollment period. HRAs also requires that health care payments are made upfront, and then after filing a claim, reimbursements can be disbursed. 

Employers of all sizes can offer their employees an HRA. Still, several types of HRAs have important distinctions which make them better suited for certain businesses in certain industries or businesses that have fewer than fifty full-time employees. It can be helpful to consult an HRA comparison chart when trying to understand the primary differences between an HRA vs. HSA and other plans. 

HRA vs. HSA

With an HRA, the employer decides how much money is available to employees, and they can also decide whether or not unused HRA monies can roll over and be used the following year. HRAs are gaining more and more popularity because of their greater flexibility and various tax incentives and benefits. 

HSA-eligible plans generally have higher deductibles, but contrary to HRAs, HSAs are individually owned, meaning that an employee can decide to take their HSA with them to a new job. HSAs can cover a broad range of medical expenses, including dental and eye care and the cost of over-the-counter medications. 

QSEHRA vs. ICHRA

It’s also helpful to understand the differences between a QSEHRA vs. ICHRA. The most important distinction between these two types of HRA plans is that ICHRAs can be utilized by businesses small and large and everyone in between. QSEHRAs, however, are only able to be utilized by businesses with fifty or fewer full-time employees. When deciding which is the right fit for your organization, it helps to speak with an HRA or benefits professional and consider all available options. 

At the end of the day, employees typically prefer working for an employer that also works for them in some sense. By providing adequate and easy-to-navigate health insurance plans for employees, businesses are making calculated investments in their own company’s sustainability and longevity. When deciding what option ultimately works best for your organization, comparing different HRA plans can help you decide what is right for you. Using an HRA comparison chart can help you understand your options. In general, it’s key to remember that each plan offers certain unique benefits, as well as the fact that most differences generally lie in eligibility and contributions.

ICHRAs present a wonderful option for employees who desire flexibility with their plans and tax-free reimbursement for healthcare expenses. Whatever you choose in the confusing world of health insurance, Take Command Health can help. Our user-friendly platform puts all the information you need in one place. With our hands-on support and compliance team, we can make managing health insurance stress-free.  Talk with us today to learn more.