New York ICHRA market guide · 2027
New York ICHRA rates, carriers and employer strategy.
Use this state page as a screening tool, then run census-level quotes by home ZIP, age and household.
Individual trend
+6.3%
Small-group trend
+8.0%
Tracked carriers
13
Carrier availability and networks vary by county, rating area and ZIP.
What this means for New York employers
Small-group rates are trending 1.7 percentage points faster than individual rates in this snapshot. That creates a reason to test ICHRA economics after fees and contribution design.
Status: Final
Read the methodology or request an employer-specific ICHRA analysis.