ICHRA savings in Winchester city, VA
In Winchester city, individual silver coverage benchmarks at $584/mo versus $717/mo for small group — a gap of about $133 per employee per month, or $1,600 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 | $1,333 | $15,997 |
| 25 | $3,333 | $39,993 |
| 50 | $6,666 | $79,986 |
| 100 | $13,331 | $159,972 |
Want it modeled on your actual census and contribution? Run the estimator — it takes about a minute.
Winchester city vs the Virginia average
| Winchester city | Virginia qualifying-county avg | |
|---|---|---|
| Monthly gap / employee | $133 | $134 |
| Savings vs small group | 18.6% | 19% |
Winchester city sits $1/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 Winchester city compares to other qualifying counties in the state.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Staunton city | $584 | $723 | 19.2% | $1,663 |
| Waynesboro city | $584 | $723 | 19.2% | $1,663 |
| Frederick County | $584 | $717 | 18.6% | $1,600 |
| Gloucester County | $531 | $652 | 18.5% | $1,443 |
| Isle of Wight County | $531 | $652 | 18.5% | $1,443 |
| James City 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 Winchester city (FIPS 51840) 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.
Winchester city ICHRA FAQs
How much can employers save with an ICHRA in Winchester city, Virginia?
For plan year 2026 the Winchester city benchmark gap is about $133 per employee per month — individual silver coverage at $584/mo versus $717/mo for comparable small-group coverage. Over a year that's roughly $1,600 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 Winchester city compared to individual plans?
The 2026 small-group benchmark in Winchester city is $717/month (lowest-cost silver, age 50) versus $584/month for the same-tier individual-market plan — the individual market prices 18.6% lower. That inversion is exactly what makes an ICHRA work here.
How does Winchester city rank for ICHRA savings in Virginia?
Winchester city ranks #92 of 109 Virginia counties with a $100+/month benchmark gap. Its $133/month gap is $1 below the Virginia qualifying-county average of $134/month.
Where does this Winchester city 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 Winchester city employer?
No. The Winchester city 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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