According to a recent LinkedIn post from Zorro, a growing number of U.S. states are exploring or implementing tax credits tied to Individual Coverage Health Reimbursement Arrangements, or ICHRAs. The post notes that Indiana and Mississippi have already enacted credits aimed at employers with fewer than 50 employees that adopt this health benefit model.
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The company’s LinkedIn post highlights that Ohio, Connecticut, Arizona, and New Hampshire currently have active ICHRA-related bills under consideration, with proposed credits ranging from $400 to $1,000 per employee in some cases. The post also identifies Wisconsin, Georgia, Florida, and Texas as states with either recent legislation or heightened interest, suggesting they may be part of a next wave of activity.
According to the post, upcoming action by the National Council of Insurance Legislators on a Model ICHRA Tax Credit Act in April could provide a standardized template for additional states to follow in 2026 and 2027. For investors, this legislative momentum may indicate a favorable policy environment for ICHRA-focused platforms and intermediaries, potentially expanding Zorro’s addressable market among small employers.
The post further suggests that ICHRAs already offer savings opportunities without state tax credits, positioning any incremental incentives as an added benefit rather than a prerequisite. If this trend continues and state-level support broadens, companies positioned in the ICHRA ecosystem could see increased adoption, recurring revenue potential, and deeper integration into small-business health-benefits strategies.