New York employee benefits provider
New York Employee Benefits Provider for Growing Teams
New York community rates small groups, so your team's health and age don't determine its premium. Ignition shows you what that costs you and where the remaining levers actually are.
In New York, your team's health doesn't change your rate.
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Why choose a New York-based employee benefits provider
What Ignition does differently in New York
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Get your free New York employee benefits assessment today.
Simple Benefits Provider Review Process
How to choose an employee benefits provider in New York
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I got robbed. I was too busy to notice.
How AWM saved $156,914 in 30 minutes.
Customer stories
AWM used Ignition to negotiate their 2026 insurance renewal, lowering costs by 22% compared to their initial increase.
Light Labs turned a 21% increase into an 8% decrease, $113,115 in savings, and better coverage across the board.
Ignition consolidated everything into Gusto, set it up before open enrollment, and now runs the day-to-day benefits admin so Mango's team doesn't have to.
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Frequently asked questions
Yes. Ignition Benefits does business as Ignition Insurance Solutions, NPN #22134889, licensed in New York.
Because New York requires fully insured small groups of 1 to 100 employees to be community rated. Carriers cannot price on your team's age or health, and rates are filed with the Department of Financial Services.
Not in the fully insured small group market. Community rating removes health status and age from pricing, which means healthier groups don't receive a corresponding premium discount for their lower expected claims costs.
You leave the community-rated small group market. Above 100 employees your own claims experience begins to affect pricing, which is usually the first point at which negotiation matters.
No. Switching requires a Broker of Record letter. Your carrier, network, and payroll stay the same.
Up to 36 months. New York adds 18 months of state continuation on top of COBRA, and it applies whether you're a small employer or a large one.
Nothing upfront. The assessment is free and there's no commitment.
Ideally four to six months out. A Broker of Record change can happen at any time, so it's rarely too late.
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