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 Virginia
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.
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
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
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
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