2022 Affordable Health Insurance Plans in Virginia

Enrolling in a health insurance plan in Virginia is simple. You can visit www.healthcare.gov to view available plans and rates on the federal Affordable Care Act-compliant marketplace.

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How to Buy Health Insurance in 2022

If you don’t have coverage through your employer, you can purchase a health insurance policy in Virginia on the federal exchange website. The four primary health insurance classifications in Virginia are Bronze, Silver, Gold, and Platinum. The costs depend on the plan you choose and qualifications for subsidies, but all coverages include essential services. Plans under the Bronze tier are the most affordable and become more expensive as you progress to the Platinum tier. Low-income and other eligible residents can obtain Medicaid coverage. 

How to Apply for Health Insurance in Virginia

Applying for health insurance in Virginia is easy. First, go to the online federal marketplace and enter your information. Then, browse the list of available plans for a policy and provider that meets your needs. You can view plans by price or tier level.

Health Insurance Carriers In Virginia

Virginia has 12 health insurance companies offering coverage via the Federal marketplace:

  • Aetna Life 
  • Bright Health 
  • CareFirst
  • Cigna
  • Group Hospitalization and Medical Services, Inc.
  • Health Keepers/Anthem
  • Innovation Health Plan
  • Kaiser Foundation Health Plan of the Mid-Atlantic
  • Optima
  • Piedmont Community Healthcare
  • Oscar Health
  • Optimum Choice

Virginia Health Insurance Costs Overview

Virginia has four primary health insurance metal tiers: Bronze, Silver, Gold, and Platinum.

How Much Does Health Insurance Cost in Virginia?

According to the KFF, the average benchmark premium in Virginia is $450 a month for 2022.

What is the Cheapest Health Insurance Plan in Virginia? 

The average lowest-cost premium for Bronze tier health insurance in 2022 is $343, the cheapest plan available in Virginia. 

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Cheapest Virginia Health Insurance Coverage by Metal Tier

Note that all costs are 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Virginia in 2022 was $435. 

Silver Plans

The average lowest cost premium of a Silver Plan in Virginia in 2022 was $445.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 was $343

Other Types of Virginia Health Insurance Coverage

Catastrophic Health Insurance in Virginia

For individuals under age 30 or those qualifying for a hardship exemption, Catastrophic health insurance plans are available in Virginia under the federal ACA marketplace.

Short Term Health Insurance in Virginia

Individuals can apply for short-term health insurance in Virginia for up to 6 months. You can purchase coverage throughout the year from private insurers.

Low Income Health Insurance in Virginia

Medicaid is available from the Virginia Department of Medical Assistance Services for eligible low-income residents in Virginia.

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Sources: 

Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D