Virginia residents can secure the cheapest health insurance through Oscar at $499 monthly, delivering $149 in monthly savings compared to the state average. HealthKeepers, Inc. ranks second at $534 monthly, while Sentara Health Plans comes third at $553 monthly. Oscar's lower premiums come with higher deductibles and maximum out-of-pocket costs than other providers, so you'll pay more when using medical services throughout the year.
Cheapest Health Insurance in Virginia (2026)
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The most affordable health insurance options in Virginia are Oscar at $499 monthly, followed by HealthKeepers, Inc. at $534 and Sentara Health Plans at $553.
Our analysis shows that Oscar provides the lowest-cost health insurance for Virginia residents across EPO plans and most demographic groups. Other insurers may be best suited for specific plan categories, such as HMO and POS options.
Cheapest Health Insurance Providers in Virginia
| Oscar | $499 | $149 | $5,988 | $1,788 |
| HealthKeepers, Inc. | $534 | $114 | $6,408 | $1,368 |
| Sentara Health Plans | $553 | $95 | $6,636 | $1,140 |
| Kaiser Permanente | $554 | $94 | $6,648 | $1,128 |
| Cigna Healthcare | $590 | $58 | $7,080 | $696 |
| Optimum Choice, Inc. | $685 | $37 | $8,220 | $444 |
| Blue Cross Blue Shield | $885 | $237 | $10,620 | $2,844 |
* We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Virginia. We calculate average monthly savings by comparing each provider's average rate against the statewide average to demonstrate the cost difference below the state benchmark.
Oscar Insurance Company
MoneyGeek Rating
4/ 5
5/5Affordability
2.5/5Deductible
2.5/5MOOP
Average Monthly Rate
$499Average MOOP
$9,532Average Deductible
$6,532
Most Affordable Virginia Health Insurance by Category
The best health insurance provider is not only based on the rate but also depends on your age, selected plan type and chosen metal tier. Informed buyers also weigh how monthly premiums balance against deductibles and out-of-pocket limits.
Oscar provides the most affordable rates for an EPO in Virginia. But, this comes with higher deductibles and maximum out-of-pocket costs. Sentara Health Plans is the most affordable for several categories.
| Teens | Sentara Health Plans | $342 | $4,099 | $9,188 | $5,589 |
| Young Adults | Sentara Health Plans | $383 | $4,601 | $9,182 | $5,612 |
| Adults | Sentara Health Plans | $478 | $5,738 | $9,167 | $5,633 |
| Seniors | Sentara Health Plans | $1,015 | $12,185 | $9,167 | $5,633 |
| PPO | Blue Cross Blue Shield | $1,033 | $12,392 | $8,900 | $6,000 |
| HMO | Sentara Health Plans | $478 | $5,738 | $9,167 | $5,633 |
| EPO | Oscar | $482 | $5,790 | $8,900 | $6,000 |
| With Health Savings Account Eligibility | Blue Cross Blue Shield | $599 | $7,188 | $6,850 | $3,400 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
Most Affordable Virginia Health Insurance by Metal Level
Oscar charges Virginia's lowest Bronze premiums at $369 monthly for 40-year-olds. Sentara Health Plans offers Silver coverage at $478 per month. Gold options cost $472 monthly with a $2,175 deductible. Kaiser Permanente provides Platinum-tier plans in Virginia.
| Bronze | Oscar | $369 | $4,432 | $10,300 | $8,250 |
| Gold | Sentara Health Plans | $472 | $5,665 | $8,025 | $2,175 |
| Silver | Sentara Health Plans | $478 | $5,738 | $9,167 | $5,633 |
| Platinum | Kaiser Permanente | $594 | $7,125 | $5,200 | $0 |
Using comprehensive Virginia data, we've analyzed statewide options to help you identify coverage fitting your budget and circumstances.
Cheap Virginia Health Insurance: Personalized Picks
Filter Virginia's statewide data by your situation to narrow options:
Data filtered by:
HMO
Silver
40
No
| Sentara Health Plans | Sentara M Silver 6500 Ded | $475 | HMO | Silver | $8,950 | $6,500 | 40 | No |
| HealthKeepers, Inc. | Anthem HealthKeepers Silver X DED 3700 Tiered PCP | $479 | HMO | Silver | $10,150 | $3,700 | 40 | No |
| Sentara Health Plans | Sentara Standard M Silver 6000 Ded | $480 | HMO | Silver | $8,900 | $6,000 | 40 | No |
| Sentara Health Plans | Sentara M Silver 4400 Ded | $480 | HMO | Silver | $9,650 | $4,400 | 40 | No |
| Kaiser Permanente | KP VA Silver Virtual Forward 4000 Ded | $489 | HMO | Silver | $8,000 | $4,000 | 40 | No |
| Kaiser Permanente | KP VA Standard Silver 6000 Ded/Vision | $508 | HMO | Silver | $8,900 | $6,000 | 40 | No |
| HealthKeepers, Inc. | Anthem HealthKeepers Silver X DED 3200 | $509 | HMO | Silver | $10,150 | $3,200 | 40 | No |
| HealthKeepers, Inc. | Anthem HealthKeepers Silver X DED 6000 Standard | $511 | HMO | Silver | $8,900 | $6,000 | 40 | No |
| HealthKeepers, Inc. | Anthem HealthKeepers Silver X DED 2450 | $514 | HMO | Silver | $10,600 | $2,450 | 40 | No |
| HealthKeepers, Inc. | Anthem HealthKeepers Silver X DED 4300 | $516 | HMO | Silver | $8,550 | $4,300 | 40 | No |
How to Get Cheap Health Insurance in Virginia
Use these tips to find affordable health insurance:
- 1Look Beyond Bronze Plans
While Bronze plans have the lowest monthly premiums, they cost more when you need care. Silver and Gold plans offer better overall value with lower deductibles and reduced out-of-pocket maximums, making them a smarter choice if you visit doctors regularly or take prescription medications.
- 2Assess Your Medical Spending
Review last year's healthcare expenses to guide your plan choice. If you spent $800 on three doctor visits and prescription refills, a high-deductible plan with a $7,000 deductible might save you $120 monthly compared to a comprehensive Gold plan.
- 3Explore HMO Options
HMO plans in Virginia deliver premium savings compared to PPO alternatives. While you must use network providers and get referrals for specialists, the monthly savings can reach hundreds of dollars if the network includes your preferred doctors.
- 4Verify Subsidy Eligibility
Premium tax credits through the Health Insurance Marketplace reduce monthly costs based on household income. Families earning up to four times the federal poverty level can receive assistance.
- 5Time Your Purchase Right
Open enrollment offers the best plan selection and competitive pricing. Missing this annual window forces you to wait until next year unless you experience a qualified life event like marriage, job loss or having a baby.
- 6Compare Network Coverage
Verify your current doctors and preferred hospitals accept your chosen plan. Contact providers directly to confirm network participation. Switching plans might require finding new health care providers, which could disrupt ongoing treatments or established patient relationships.
Cheapest Health Insurance in Virginia: Bottom Line
For Virginia residents, Oscar provides the most affordable rates across multiple coverage tiers. Both HealthKeepers, Inc. and Sentara Health Plans round out the top three with competitive pricing throughout the state.
These providers offer the lowest premiums, though your optimal rate comes from comparing different plan types and metal levels from several companies.
Affordable Health Insurance in Virginia: FAQ
Find answers to the most common health insurance questions for Virginia residents:
How do I get cheap health insurance in Virginia?
Shop during open enrollment and compare plans across multiple metal tiers from companies such as Oscar, HealthKeepers, Inc. and Sentara Health Plans. Check if you qualify for premium tax credits through the Health Insurance Marketplace and consider HMO plans for lower rates while balancing monthly premiums against deductibles.
How much does health insurance cost in Virginia?
Virginia health insurance costs an average of $616 monthly or $7,401 annually across all plan types and metal levels. Rates range from $198 to $2,306 monthly, varying by age, chosen coverage tier and plan type.
Does Virginia require health insurance?
Virginia doesn't require residents to have health insurance, and there's no federal penalty since the individual mandate ended in 2019. If you're uninsured, you'll pay all medical costs out-of-pocket and lose access to subsidized marketplace plans outside open enrollment periods, unless you qualify for a special enrollment situation.
Our Methodology
We gathered plan information from Virginia's Insurance Marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. The cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison.
Age-specific rankings use their respective premium costs, but cheaper plans generally feature higher deductibles and out-of-pocket maximums when you need care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.