Ambetter and ICHRA

The Ambetter Health Network

Off-Exchange Plans

Ambetter Health currently offers off-exchange plans designed for ICHRAs in the following states:

  • Georgia
  • Indiana
  • Missouri
  • Mississippi
  • Ohio
  • South Carolina

In 2026, the Ambetter Health network for ICHRA (known as Ambetter Health Solutions) will expand to include seven additional states.


Off-exchange plans offer a pre-tax advantage to employees, allowing them to pay for their coverage through a payroll deduction if their employer’s contribution does not cover their full premium.  

On-Exchange Plans

Ambetter Health plans are available to employees on the ACA Marketplace in all 29 states where our network is offered. 

On-exchange plans have utility for employees who qualify for federal subsidies, however ACA Marketplace plans would be a post-income tax benefit instead of a pre-income tax benefit like ICHRA-based plans. 

On-exchange plans allow employees who are in a state that doesn’t yet have Ambetter Health Solutions (plans that are designed for ICHRAs) to access us as a carrier.

Network & Company Snapshot 

  • 5.8 Million Members
  • Coverage in 29 States
  • Off-Exchange Plans in Select States
  • A Fortune 22 Company
  • More than 40 years in Managed Care

Provider Network Design

Ambetter Health strives to provide access to a quality healthcare network that:

  • Keeps premiums affordable and lowers costs for members
  • Focuses on availability of providers who have a history of better healthcare outcomes

Talk With Our Team

Considering an ICHRA raises new questions. Our team is here to help.