ICHRA savings in New York
56 New York counties price individual coverage below small group. Employers there save up to $3,421 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top New York counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Dutchess County | $803 | $1,088 | 26.2% | $3,421 |
| Orange County | $803 | $1,088 | 26.2% | $3,421 |
| Putnam County | $803 | $1,088 | 26.2% | $3,421 |
| Sullivan County | $803 | $1,088 | 26.2% | $3,421 |
| Ulster County | $803 | $1,088 | 26.2% | $3,421 |
| Albany County | $681 | $902 | 24.6% | $2,658 |
| Columbia County | $681 | $902 | 24.6% | $2,658 |
| Greene County | $681 | $902 | 24.6% | $2,658 |
| Rensselaer County | $681 | $902 | 24.6% | $2,658 |
| Saratoga County | $681 | $902 | 24.6% | $2,658 |
| Schenectady County | $681 | $902 | 24.6% | $2,658 |
| Warren County | $681 | $902 | 24.6% | $2,658 |
Showing top 12 of 56 qualifying New York counties. Explore them all on the interactive map.
New York county savings pages
Every New York county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Dutchess County 26.2%
- Orange County 26.2%
- Putnam County 26.2%
- Sullivan County 26.2%
- Ulster County 26.2%
- Albany County 24.6%
- Columbia County 24.6%
- Greene County 24.6%
- Rensselaer County 24.6%
- Saratoga County 24.6%
- Schenectady County 24.6%
- Warren County 24.6%
- Washington County 24.6%
- Bronx County 22.7%
- Kings County 22.7%
- New York County 22.7%
- Queens County 22.7%
- Richmond County 22.7%
- Rockland County 22.7%
- Westchester County 22.7%
- Nassau County 20.9%
- Suffolk County 20.9%
- Fulton County 16.8%
- Chenango County 13.9%
- Essex County 13.9%
- Franklin County 13.9%
- Hamilton County 13.9%
- Jefferson County 13.9%
- Lewis County 13.9%
- Madison County 13.9%
- Oneida County 13.9%
- Oswego County 13.9%
- St. Lawrence County 13.9%
- Broome County 13.5%
- Cayuga County 13.5%
- Chemung County 13.5%
- Cortland County 13.5%
- Onondaga County 13.5%
- Schuyler County 13.5%
- Steuben County 13.5%
- Tioga County 13.5%
The New York picture
New York's individual market prices competitively against small group in 56 counties, based on 2026 plan-year data comparing the lowest-cost silver plan at age 50. The widest estimated gap is in Dutchess County at about $285 per employee per month (roughly 26.2%), and 22 counties clear the $200 mark — including all five NYC boroughs at around $236 per month (about 23%) and Long Island, where Suffolk County shows an estimated $226. For context, insurers have filed for an average 20.7% individual-market increase for 2027; those are proposed rates under review, not part of these savings estimates.
What sets New York apart is scale: the counties with the largest estimated gaps are also the ones where employers run their biggest headcounts. A modest-looking per-employee difference in Brooklyn or Queens compounds quickly across a 40-person team, and Hudson Valley employers in Dutchess and neighboring counties may see some of the larger per-person spreads in the state. Companies like yours could see meaningful annual differences without the gap needing to be dramatic on paper.
New York ICHRA FAQs
How much can employers save with an ICHRA in New York?
Across 56 qualifying New York counties, the 2026 gap between small-group and individual silver coverage averages 16% — up to $3,421 per employee per year in the strongest county. Figures are plan-year-2026 estimates (lowest-cost silver, age 50, same year both markets), not quotes.
Which New York county has the biggest ICHRA savings?
Dutchess County currently shows the widest 2026 spread in New York: individual $803/mo vs small group $1,088/mo — about 26.2% ($3,421/employee/year, estimated).
Does every New York county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 56 in New York for plan year 2026. In other counties a savings-driven ICHRA usually is not the right move, and an analysis will say so.
Where does this New York data come from?
Individual-market premiums come from the CMS Marketplace Public Use Files and small-group benchmarks from Ideon — lowest-cost silver plan, age 50, same county and same plan year (2026) on both sides.
Do the NYC boroughs qualify for ICHRA savings, or is this only upstate New York?
All five boroughs — Manhattan, Brooklyn, Queens, the Bronx, and Staten Island — show an estimated individual-market advantage of roughly $236 per employee per month (about 23%) versus small group in 2026 plan-year data. That is one of the reasons New York stands out: the estimated gap holds in the state's densest employment centers, not just in smaller upstate counties, though every figure is an estimate and individual results vary by workforce.
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