ACA Health Insurance > Break Down > Health Insurance in Virginia
Health Insurance Virginia: Your Roadmap to Affordable Coverage
From Richmond to Roanoke—We’ve Got Virginia Covered.
Hey there, Virginia neighbor! Looking for health insurance in Virginia? Whether you're turning 26, going solo, or just tired of overpriced plans, this guide makes finding coverage easy and stress-free.
Why Should You Buy Health Insurance in Virginia?
Health insurance means protection—both for your body and your bank account.
Here’s why coverage matters in Virginia:
About 8% of Virginians under 65 don’t have insurance.
Conditions like diabetes, heart disease, and asthma are common across the state.
ACA-compliant plans offer free preventive care, including screenings, vaccines, and annual checkups.
Insurance helps you stay ahead of health issues—and avoid surprise medical bills.
Types of Health Insurance Available in Virginia
Marketplace Plans (via Virginia's State Exchange)
As of 2024, Virginia runs its own exchange: Virginia's Insurance Marketplace. You can apply for ACA plans and get subsidies based on your income.
Short-Term Insurance
Short-term plans are legal in Virginia and may be helpful in temporary situations. Just know they don’t offer full ACA protections.
Medicare
Virginia residents 65+ (or those with qualifying disabilities) can enroll in Medicare. Supplement, Advantage, and Part D plans add extra options.
Medicaid (Virginia Medicaid)
Virginia expanded Medicaid, meaning more low-income adults now qualify. Enrollment is available year-round for those who meet the income or disability requirements.
Private Insurance
Many Virginians are covered through work or buy private plans. We help you compare every option—including employer-sponsored and individual policies.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Virginia?
There’s no legal requirement at the state or federal level for Virginians to carry health insurance.
But going without coverage means risking big medical bills—and missing out on no-cost services like flu shots, wellness exams, and early screenings.
A solid plan gives you freedom, flexibility, and peace of mind.
How Much Does Health Insurance Cost in Virginia?
With subsidies, many Virginians find ACA plans for $0 to $75/month. Your exact cost depends on income, location, age, and family size.
Medicaid is free or low-cost for eligible individuals. Medicare costs vary based on the type of plan and additional coverage chosen.
💡 A built-in cost calculator can help users estimate premiums and savings instantly.
How to Pick the Right Health Plan for You
To find the best fit, start with a few key questions:
Do you want to keep your current doctor or provider?
What prescriptions do you need covered?
How much can you spend monthly—and yearly?
Do you anticipate any surgeries, pregnancies, or chronic care?
We help you compare plans side-by-side so you can make a confident choice.
Our Health Insurance Services in Virginia
We’re here to help you compare, choose, and enroll—with zero pressure and all the support.
Who We Help
We assist:
Young adults aging off family plans
Freelancers and gig workers
Seniors approaching Medicare
Families juggling multiple needs
What We Offer
We help with:
Enrollment through Virginia's Insurance Marketplace
Medicaid application help
Medicare education and support
Private insurance comparisons
Dental, vision, and pharmacy savings
And yes—we offer bilingual support in Spanish.
How to Get Started
Review your coverage options online.
Connect with a licensed Virginia insurance agent (optional).
Enroll by phone or through the state exchange—it’s quick and easy.
You’re covered in no time.
Most Affordable Health Insurance in Virginia
Here are some of the most budget-friendly, ACA-compliant carriers on the Virginia exchange:
Anthem HealthKeepers – Offers broad network access and strong customer service.
Optima Health – Great for families, with competitive pricing and benefits.
Cigna Healthcare of VA – Flexible options and digital-friendly tools.
We’ll help you find the plan that fits your needs and budget.
Top 3 Most Uninsured Cities in Virginia
These Virginia cities have higher-than-average uninsured rates:
Petersburg, VA – Economic challenges and coverage confusion keep enrollment low.
Danville, VA – Many qualify for Medicaid but haven’t applied.
Newport News, VA – Young adults and part-time workers often go uncovered.
Wherever you are in Virginia, we’ll help you get the coverage you deserve.
Final Tip from Your Friendly Guide
Health insurance in Virginia isn’t about rules or red tape—it’s about taking care of what matters most.
We’re here to help you protect your health, your family, and your finances with a plan that fits your life.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!