ICHRA savings in Gloucester County, VA
In Gloucester County, individual silver coverage benchmarks at $531/mo versus $652/mo for small group — a gap of about $120 per employee per month, or $1,443 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 | $1,203 | $14,432 |
| 25 | $3,007 | $36,081 |
| 50 | $6,014 | $72,162 |
| 100 | $12,027 | $144,324 |
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Gloucester County vs the Virginia average
| Gloucester County | Virginia qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $120 | $134 |
| Savings vs small group | 18.5% | 19% |
Gloucester County sits $14/month under the qualifying-county average for Virginia, but still clears the $100/month bar where an ICHRA analysis is usually worth running. See how the whole state stacks up on the Virginia savings page or the interactive map.
Nearby Virginia counties
How Gloucester County compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Waynesboro city | $584 | $723 | 19.2% | $1,663 |
| Frederick County | $584 | $717 | 18.6% | $1,600 |
| Winchester city | $584 | $717 | 18.6% | $1,600 |
| Isle of Wight County | $531 | $652 | 18.5% | $1,443 |
| James City County | $531 | $652 | 18.5% | $1,443 |
| Mathews County | $531 | $652 | 18.5% | $1,443 |
Methodology
Every figure on this page compares the lowest-cost silver plan for a 50-year-old in Gloucester County (FIPS 51073) 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.
Gloucester County ICHRA FAQs
How much can employers save with an ICHRA in Gloucester County, Virginia?
For plan year 2026 the Gloucester County benchmark gap is about $120 per employee per month — individual silver coverage at $531/mo versus $652/mo for comparable small-group coverage. Over a year that's roughly $1,443 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 Gloucester County compared to individual plans?
The 2026 small-group benchmark in Gloucester County is $652/month (lowest-cost silver, age 50) versus $531/month for the same-tier individual-market plan — the individual market prices 18.5% lower. That inversion is exactly what makes an ICHRA work here.
How does Gloucester County rank for ICHRA savings in Virginia?
Gloucester County ranks #93 of 109 Virginia counties with a $100+/month benchmark gap. Its $120/month gap is $14 below the Virginia qualifying-county average of $134/month.
Where does this Gloucester 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 Gloucester County employer?
No. The Gloucester 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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