ICHRA savings in Virginia
133 Virginia counties price individual coverage below small group. Employers there save up to $2,158 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Virginia counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Amelia County | $520 | $700 | 25.7% | $2,158 |
| Charles City County | $520 | $700 | 25.7% | $2,158 |
| Chesterfield County | $520 | $700 | 25.7% | $2,158 |
| Cumberland County | $520 | $700 | 25.7% | $2,158 |
| Dinwiddie County | $520 | $700 | 25.7% | $2,158 |
| Goochland County | $520 | $700 | 25.7% | $2,158 |
| Henrico County | $520 | $700 | 25.7% | $2,158 |
| King and Queen County | $520 | $700 | 25.7% | $2,158 |
| King William County | $520 | $700 | 25.7% | $2,158 |
| New Kent County | $520 | $700 | 25.7% | $2,158 |
| Powhatan County | $520 | $700 | 25.7% | $2,158 |
| Prince George County | $520 | $700 | 25.7% | $2,158 |
Showing top 12 of 133 qualifying Virginia counties. Explore them all on the interactive map.
Virginia county savings pages
Every Virginia county where the 2026 benchmark gap tops $100/employee/month — each with its own local breakdown.
- Amelia County 25.7%
- Charles City County 25.7%
- Chesterfield County 25.7%
- Cumberland County 25.7%
- Dinwiddie County 25.7%
- Goochland County 25.7%
- Henrico County 25.7%
- King and Queen County 25.7%
- King William County 25.7%
- New Kent County 25.7%
- Powhatan County 25.7%
- Prince George County 25.7%
- Sussex County 25.7%
- Colonial Heights city 25.7%
- Hopewell city 25.7%
- Petersburg city 25.7%
- Richmond city 25.7%
- Botetourt County 22.1%
- Craig County 22.1%
- Franklin County 22.1%
- Giles County 22.1%
- Montgomery County 22.1%
- Pittsylvania County 22.1%
- Pulaski County 22.1%
- Roanoke County 22.1%
- Danville city 22.1%
- Radford city 22.1%
- Roanoke city 22.1%
- Salem city 22.1%
- Amherst County 20.5%
- Appomattox County 20.5%
- Bedford County 20.5%
- Campbell County 20.5%
- Lynchburg city 20.5%
- Caroline County 19.3%
- Hanover County 19.3%
- Louisa County 19.3%
- Accomack County 19.2%
- Alleghany County 19.2%
- Augusta County 19.2%
- Bath County 19.2%
- Bland County 19.2%
- Brunswick County 19.2%
- Buchanan County 19.2%
- Buckingham County 19.2%
- Carroll County 19.2%
- Charlotte County 19.2%
- Dickenson County 19.2%
- Essex County 19.2%
- Floyd County 19.2%
- Grayson County 19.2%
- Greensville County 19.2%
- Halifax County 19.2%
- Henry County 19.2%
- Highland County 19.2%
- Lancaster County 19.2%
- Lee County 19.2%
- Lunenburg County 19.2%
- Madison County 19.2%
- Mecklenburg County 19.2%
- Middlesex County 19.2%
- Northampton County 19.2%
- Northumberland County 19.2%
- Nottoway County 19.2%
- Page County 19.2%
- Patrick County 19.2%
- Prince Edward County 19.2%
- Rappahannock County 19.2%
- Richmond County 19.2%
- Rockbridge County 19.2%
- Russell County 19.2%
- Scott County 19.2%
- Shenandoah County 19.2%
- Smyth County 19.2%
- Southampton County 19.2%
- Tazewell County 19.2%
- Washington County 19.2%
- Wise County 19.2%
- Wythe County 19.2%
- Bristol city 19.2%
- Buena Vista city 19.2%
- Covington city 19.2%
- Emporia city 19.2%
- Franklin city 19.2%
- Galax city 19.2%
- Lexington city 19.2%
- Martinsville city 19.2%
- Norton city 19.2%
- Staunton city 19.2%
- Waynesboro city 19.2%
- Frederick County 18.6%
- Winchester city 18.6%
- Gloucester County 18.5%
- Isle of Wight County 18.5%
- James City County 18.5%
- Mathews County 18.5%
- Surry County 18.5%
- York County 18.5%
- Chesapeake city 18.5%
- Hampton city 18.5%
- Newport News city 18.5%
- Norfolk city 18.5%
- Poquoson city 18.5%
- Portsmouth city 18.5%
- Suffolk city 18.5%
- Virginia Beach city 18.5%
- Williamsburg city 18.5%
- Rockingham County 15.2%
- Harrisonburg city 15.2%
The Virginia picture
Virginia is a wide-but-shallow ICHRA state on 2026 data: 133 counties qualify, yet none of them shows an estimated gap above $200 per employee per month. The largest spread we measured is in Amelia County, at an estimated $180 per month — about 25.7% below comparable small-group coverage. Separately, Virginia insurers have filed a proposed average increase of 19% for 2027 individual-market plans, which may change the picture but plays no role in these figures.
For a Virginia employer, the honest takeaway is to run the numbers rather than assume the answer either way. An estimated $150-$180 monthly gap still compounds — on a 20-person team that can add up to tens of thousands of dollars a year — but it is a thinner margin than employers see in neighboring Kentucky, and administrative fit matters more when the spread is modest. Companies in the qualifying counties around Richmond and south of the metro line are the most likely to find the math worth a closer look.
Virginia ICHRA FAQs
How much can employers save with an ICHRA in Virginia?
Across 133 qualifying Virginia counties, the 2026 gap between small-group and individual silver coverage averages 19% — up to $2,158 per employee per year in the strongest county. Figures are plan-year-2026 estimates (lowest-cost silver, age 50, same year both markets), not quotes.
Which Virginia county has the biggest ICHRA savings?
Amelia County currently shows the widest 2026 spread in Virginia: individual $520/mo vs small group $700/mo — about 25.7% ($2,158/employee/year, estimated).
Does every Virginia county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 133 in Virginia for plan year 2026. In other counties a savings-driven ICHRA usually is not the right move, and an analysis will say so.
Where does this Virginia 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.
Is an ICHRA still worth considering in Virginia if the savings per employee look modest?
Sometimes, yes — but it depends on more than the headline number. Virginia's estimated gaps top out around $180 per employee per month on 2026 silver-plan data, so the case usually rests on the total across your headcount, plus non-dollar factors like fixing your renewal cost in advance and letting employees pick their own plans. If the estimated gap in your county is small, a traditional group plan may still be the simpler choice; the point is to compare actual 2026 numbers for your county before renewing.
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