Winchester, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Winchester, Virginia filed health plans with 100 or more participants for plan year 2024, covering 17,113 participants. They reported $1.5M in insurance premiums and $1.6M in broker commissions and fees. Against 2023, premiums were up 209.5% and broker pay rose 40.2%.
Funding: 5 fully insured · 9 self-funded · 2 mixed. 11 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Winchester
Winchester employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Trex Company, Inc. | $1,494,809 | $302,962 | 1,573 | — |
| American Woodmark Corporation | $0 | $35,012 | 6,623 | Mercer |
| Valley Health | $0 | $628,058 | 5,753 | Gallagher |
| Grafton School, Inc. | $0 | $80,976 | 728 | AssuredPartners |
| Shenandoah University | $0 | — | 614 | — |
| Monoflo International, Inc. | $0 | $68,486 | 328 | OneDigital |
| Westminster Canterbury of Winchester Inc. | $0 | $38,937 | 213 | James a Scott & Son Inc |
| Yount, Hyde & Barbour, P.C. | $0 | $105,246 | 205 | OneDigital |
| Winchester Equipment Co. | $0 | $114,310 | 201 | Marsh McLennan Agency |
| Aikens Corporation | $0 | $36,361 | 171 | Ebenconcepts Company |
| Blue Ridge Hospice, Inc. | $0 | $52,545 | 160 | Marsh McLennan Agency |
| Integrity Mortgage Corporation | $0 | $4,830 | 119 | The Meltzer Group, Inc. |
| H N Funkhouser & Co. | $0 | $28,965 | 117 | Holmes Murphy |
| Blue Ridge Industries, Inc. | $0 | $31,247 | 105 | Marsh McLennan Agency |
| Howard Shockey & Sons Inc | $0 | $13,461 | 102 | Ld&B Insurance Agency Inc |
| Royal Crown Bottling Company of Winchester, Inc. | $0 | $32,797 | 101 | James a Scott & Son Inc |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Winchester employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $588,974 | 1 |
| OneDigital | $176,529 | 4 |
| Marsh McLennan Agency | $165,997 | 4 |
| AssuredPartners | $78,355 | 1 |
| James a Scott & Son Inc | $65,297 | 2 |
| Gallgher Benefit Services, Inc | $39,059 | 1 |
| Ebenconcepts Company | $36,361 | 1 |
| Mercer | $35,012 | 1 |
| Holmes Murphy | $22,657 | 1 |
| Ld&B Insurance & Financial Services | $6,689 | 1 |
Largest medical carriers
Medical premium written for these employers.
Winchester against Virginia and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Winchester | Virginia | United States | |
|---|---|---|---|
| Employer plans | 16 | 1,613 | 58,547 |
| Median commission rate | n/a | 4.6% | 3.8% |
| Middle half of rates | n/a | 3.2% – 6.4% | 2.7% – 5.0% |
| Median broker pay per employer | $38,937 | $71,889 | $72,628 |
| Medical premium per covered person | n/a | $6,864 | $7,274 |
| Plans reporting no commission | 0 | 5 | 933 |
Year over year. In plan year 2023, 12 Winchester employers reported $482,907 in premiums and $1.1M in broker pay for 19,974 participants; in 2024 it was $1.5M and $1.6M for 17,113 participants (premiums +209.5%, broker pay +40.2%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Winchester employers pay health insurance brokers?
16 Winchester employers reported $1,574,193 in broker commissions and fees on their 2024 Form 5500 filings, 15 of them disclosing at least some compensation. Too few fully insured medical plans in Winchester reported premium to compute a stable commission rate; the Virginia median is 4.6% and the U.S. median is 3.8%. In dollars, the median Winchester employer that disclosed broker pay reported $38,937.
Which Winchester employers have the largest health plans?
By insurance premium reported for 2024, Trex Company, Inc. ($1.5M), American Woodmark Corporation ($0), Valley Health ($0) lead. 16 Winchester employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Winchester?
By compensation reported by Winchester employers, the largest brokers are Gallagher ($588,974, 1 plans), OneDigital ($176,529, 4 plans), Marsh McLennan Agency ($165,997, 4 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Cigna Health and Life Insurance Company, Anthem Health Plans of Virginia, Inc..
Are Winchester employer health plans self-funded or fully insured?
Of 16 Winchester employer plans, 5 are fully insured, 9 are self-funded and 2 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Virginia
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