ICHRA savings in Orange County, NY
In Orange County, individual silver coverage benchmarks at $803/mo versus $1,088/mo for small group — a gap of about $285 per employee per month, or $3,421 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 | $2,851 | $34,213 |
| 25 | $7,128 | $85,533 |
| 50 | $14,256 | $171,066 |
| 100 | $28,511 | $342,132 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Orange County vs the New York average
| Orange County | New York qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $285 | $149 |
| Savings vs small group | 26.2% | 16% |
Orange County runs $136/month ahead of the typical qualifying New York county — one of the stronger local cases for an ICHRA in the state. See how the whole state stacks up on the New York savings page or the interactive map.
Nearby New York counties
How Orange County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Dutchess 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 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Orange County (FIPS 36071) 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.
Orange County ICHRA FAQs
How much can employers save with an ICHRA in Orange County, New York?
For plan year 2026 the Orange County benchmark gap is about $285 per employee per month — individual silver coverage at $803/mo versus $1,088/mo for comparable small-group coverage. Over a year that's roughly $3,421 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 Orange County compared to individual plans?
The 2026 small-group benchmark in Orange County is $1,088/month (lowest-cost silver, age 50) versus $803/month for the same-tier individual-market plan — the individual market prices 26.2% lower. That inversion is exactly what makes an ICHRA work here.
How does Orange County rank for ICHRA savings in New York?
Orange County ranks #2 of 41 New York counties with a $100+/month benchmark gap. Its $285/month gap is $136 above the New York qualifying-county average of $149/month.
Where does this Orange 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 Orange County employer?
No. The Orange 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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