ICHRA savings in Rensselaer County, NY
In Rensselaer County, individual silver coverage benchmarks at $681/mo versus $902/mo for small group — a gap of about $222 per employee per month, or $2,658 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 | $2,215 | $26,580 |
| 25 | $5,538 | $66,450 |
| 50 | $11,075 | $132,900 |
| 100 | $22,150 | $265,800 |
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Rensselaer County vs the New York average
| Rensselaer County | New York qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $222 | $149 |
| Savings vs small group | 24.6% | 16% |
Rensselaer County runs $73/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 Rensselaer County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Albany County | $681 | $902 | 24.6% | $2,658 |
| Columbia County | $681 | $902 | 24.6% | $2,658 |
| Greene 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 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Rensselaer County (FIPS 36083) 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.
Rensselaer County ICHRA FAQs
How much can employers save with an ICHRA in Rensselaer County, New York?
For plan year 2026 the Rensselaer County benchmark gap is about $222 per employee per month — individual silver coverage at $681/mo versus $902/mo for comparable small-group coverage. Over a year that's roughly $2,658 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 Rensselaer County compared to individual plans?
The 2026 small-group benchmark in Rensselaer County is $902/month (lowest-cost silver, age 50) versus $681/month for the same-tier individual-market plan — the individual market prices 24.6% lower. That inversion is exactly what makes an ICHRA work here.
How does Rensselaer County rank for ICHRA savings in New York?
Rensselaer County ranks #9 of 41 New York counties with a $100+/month benchmark gap. Its $222/month gap is $73 above the New York qualifying-county average of $149/month.
Where does this Rensselaer 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 Rensselaer County employer?
No. The Rensselaer 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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