ICHRA savings in Delaware
3 Delaware counties price individual coverage below small group. Employers there save up to $1,019 per employee per year.
Last updated: August 16, 2026 · plan-year 2026, lowest-cost silver (age 50), same year both markets.
Top Delaware counties by savings
Monthly benchmark premiums: individual vs small group, 2026 plan year.
| County | Individual /mo | Small group /mo | You save | Annual / employee |
|---|---|---|---|---|
| Kent County | $855 | $939 | 9% | $1,019 |
| New Castle County | $855 | $939 | 9% | $1,019 |
| Sussex County | $855 | $939 | 9% | $1,019 |
The Delaware picture
Delaware's estimated advantage peaks in the middle of the state: of the three counties, Kent County — anchored by Dover — shows the widest 2026 gap at about $85 per employee per month, roughly 9% below comparable small-group coverage, and no Delaware county clears $200. With only three counties, the geography is simple, but the differences between them still matter enough to check before deciding. Insurers have filed for a proposed average individual-market increase of 16.9% in 2027; that number is regulatory news, not an input to any estimate here.
Dover-area employers hold the strongest hand in the state on 2026 data — at the Kent County figure, a 30-person company could see an estimated difference around $30,600 a year, while firms in New Castle and Sussex counties face tighter math. Delaware's position between the Philadelphia and Baltimore metros also means many employers here have staff living across state lines in Pennsylvania, Maryland, or New Jersey, a situation where an ICHRA's one-design-many-markets structure can carry weight beyond the premium comparison.
Delaware ICHRA FAQs
How much can employers save with an ICHRA in Delaware?
Across 3 qualifying Delaware counties, the 2026 gap between small-group and individual silver coverage averages 9% — up to $1,019 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 Delaware county has the biggest ICHRA savings?
Kent County currently shows the widest 2026 spread in Delaware: individual $855/mo vs small group $939/mo — about 9% ($1,019/employee/year, estimated).
Does every Delaware county qualify for ICHRA savings?
No. Only counties where the individual market prices below small group make the list — 3 in Delaware 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 Delaware 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.
Why does Kent County show a bigger estimated ICHRA gap than Wilmington's New Castle County?
On 2026 silver-plan data at age 50, Kent County's individual market prices further below its comparable small-group coverage — an estimated $85 per employee per month, about 9% — than the other two Delaware counties. Individual-market pricing is set county by county, and carrier competition and provider costs around Dover produce a wider spread than the Wilmington metro does. These are estimates from a single benchmark comparison, so an employer's actual results depend on workforce ages and the plans employees choose.
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