ICHRA savings in Cortland County, NY
In Cortland County, individual silver coverage benchmarks at $682/mo versus $788/mo for small group — a gap of about $106 per employee per month, or $1,275 a year.
Last updated: August 17, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets. Estimates, not quotes.
What the gap means at your headcount
Benchmark gap × employees × 12 months. Illustrations only — your contribution design sets the real number.
| Employees | Monthly benchmark gap | Estimated annual gap |
|---|---|---|
| 10 | $1,062 | $12,746 |
| 25 | $2,656 | $31,866 |
| 50 | $5,311 | $63,732 |
| 100 | $10,622 | $127,464 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Cortland County vs the New York average
| Cortland County | New York qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $106 | $149 |
| Savings vs small group | 13.5% | 16% |
Cortland County sits $43/month under the qualifying-county average for New York, but still clears the $100/month bar where an ICHRA analysis is usually worth running. See how the whole state stacks up on the New York savings page or the interactive map.
Nearby New York counties
How Cortland County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Broome County | $682 | $788 | 13.5% | $1,275 |
| Cayuga County | $682 | $788 | 13.5% | $1,275 |
| Chemung County | $682 | $788 | 13.5% | $1,275 |
| Onondaga County | $682 | $788 | 13.5% | $1,275 |
| Schuyler County | $682 | $788 | 13.5% | $1,275 |
| Steuben County | $682 | $788 | 13.5% | $1,275 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Cortland County (FIPS 36023) across both markets for the same plan year (2026): the individual market side comes from the CMS Marketplace Public Use Files, the small-group side from Ideon's county-level rate data. We never mix plan years, tiers, or geographies. Figures are benchmark estimates — not an offer of insurance, a quote, or a guarantee of savings.
Cortland County ICHRA FAQs
How much can employers save with an ICHRA in Cortland County, New York?
For plan year 2026 the Cortland County benchmark gap is about $106 per employee per month — individual silver coverage at $682/mo versus $788/mo for comparable small-group coverage. Over a year that's roughly $1,275 per employee. These are estimates from public and industry benchmark data, not quotes; actual savings depend on your census and contribution design.
What does small-group health insurance cost in Cortland County compared to individual plans?
The 2026 small-group benchmark in Cortland County is $788/month (lowest-cost silver, age 50) versus $682/month for the same-tier individual-market plan — the individual market prices 13.5% lower. That inversion is exactly what makes an ICHRA work here.
How does Cortland County rank for ICHRA savings in New York?
Cortland County ranks #37 of 41 New York counties with a $100+/month benchmark gap. Its $106/month gap is $43 below the New York qualifying-county average of $149/month.
Where does this Cortland County 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. Same-year, same-county, same-tier is the only apples-to-apples comparison we publish.
Is an ICHRA the right move for every Cortland County employer?
No. The Cortland County numbers favor an ICHRA on paper, but the answer depends on your group's ages, current renewal, participation, and contribution strategy. A free analysis models your actual census — and if staying on group coverage is cheaper, it will say so.
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