ICHRA in New York.
The ICHRA itself is federal — a fixed, tax-free monthly allowance your employees use to buy their own individual plans. What's local is the market underneath it. Here is what that market looks like in New York.
The New York market underneath it.
New York runs NY State of Health and is one of the few pure community-rating states: a 26-year-old and a 62-year-old pay the same premium for the same plan. That flattens ICHRA budgets across ages and makes New York allowances unusually predictable.
Where employees buy plans
NY State of Health — the state's own exchange, or directly from carriers off-exchange.
How premiums are set
New York community-rates its individual market: premiums do not vary by age or tobacco use at all. Plans are priced per family tier (individual, couple, one adult with children, family) across 8 rating regions — a fundamentally different budget math from age-rated states.
What we price here
Every individual plan in our live 2026 artifact for New York — 62 counties across 8 rating areas, from government rate filings.
New York questions.
Does age change an ICHRA budget in New York?
No. New York community-rates individual plans, so premiums don't vary by age. Budgets vary by family tier (individual, couple, one adult with children, family) and by region — not by how old your team is.
Is an ICHRA still worth it without age rating?
Often yes: the arrangement's value in New York comes from fixing the employer's monthly cost and letting each employee pick their own network and benefit design, not from age arbitrage.
See your New York team's number.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational overview — not an offer of coverage, not a recommendation to buy any plan, and not financial, tax, legal, medical, coverage, or insurance advice.