Cheapest Health Insurance in Virginia (2024 Plans)


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Choosing a different metal tier can shift health insurance premiums and out-of-pocket costs. In Virginia, Innovation Health Plan, Inc. offers the cheapest Bronze and Gold options, while Aetna Health Inc. and Kaiser Permanente lead in the Silver and Platinum tiers, respectively.

If you're looking to balance monthly premiums with quality claims and coverage, MoneyGeek also analyzed the best health insurance in Virginia.

MoneyGeek Logo IconCheapestHealth InsuranceVirginia
2024

Most Affordable Health Insurance in Virginia

Why Trust MoneyGeek? We downloaded plan data for Virginia directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

102Plans Analyzed
 
20Providers Compared

Cheapest Health Insurance in Virginia by Metal Tier

Discover the Silver 5: HMO Aetna Network of Doctors & Hospitals plan offered by Aetna Health Inc., the cheapest plan in the popular Silver tier in Virginia, with a monthly cost of just $367. Most consumers choose the Silver tier due to its balance of monthly premiums and out-of-pocket costs. For those looking to save on monthly rates at the risk of higher out-of-pocket costs, Bronze plans may be a suitable alternative.

Health insurance costs can differ significantly by metal tier, reflecting the balance between monthly premiums and the amount you pay when you need care, such as lower out-of-pocket costs and deductibles.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: KP VA Catastrophic 9450 Ded/Vision from Kaiser Permanente ($160 per month for a 26-year-old)
  • Bronze: Innovation Health - Aetna Bronze S: HMO from Innovation Health Plan, Inc. ($277 per month)
  • Silver: Silver 5: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($367 per month)
  • Gold: Innovation Health - Aetna Gold 3: HMO from Innovation Health Plan, Inc.($362 per month)
  • Platinum: KP VA Standard Platinum 0 Ded/Vision from Kaiser Permanente ($497 per month)

For more information on affordable health plans, explore options for cheap health insurance that fits your needs and budget.

Data filtered by:Results filtered by:
Age:
Age:40
BronzeInnovation Health - Aetna Bronze S: HMOInnovation Health Plan, Inc.$277$9,400
GoldInnovation Health - Aetna Gold 3: HMOInnovation Health Plan, Inc.$362$9,195
SilverSilver 5: HMO Aetna network of doctors & hospitalsAetna Health Inc.$367$8,885
PlatinumKP VA Standard Platinum 0 Ded/VisionKaiser Permanente$497$3,200
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WHAT ARE METAL TIERS?

Consumers can choose from different metal tiers in the Virginia health insurance marketplace: Bronze, Silver, Gold and Platinum. Each tier represents a general level of coverage and a corresponding premium cost. Higher metal tier plans like Gold and Platinum have higher monthly premiums but offer lower out-of-pocket expenses when individuals require medical care. Conversely, Bronze plans have lower premiums but higher expenses when accessing health care services.

For those earning below 250% of the Federal Poverty Line, cost-sharing reductions are available on Silver plans. This means that while policyholders pay Silver-level premiums, they can benefit from reduced deductibles, copayments and co-insurance, making health care more affordable when needed. These savings in out-of-pocket costs can make a significant difference, ensuring better access to necessary medical care without the financial burden that higher cost-sharing obligations might impose.

Cheapest Silver Plans in Virginia

The most cost-efficient Silver tier plan for Virginians is the Silver 5: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc., priced at $367 monthly.

The three most affordable Silver plans in Virginia by monthly cost are as follows:

  • Silver 5: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($367 per month)
  • Silver S: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($368 per month)
  • Innovation Health - Aetna Silver 5: HMO from Innovation Health Plan, Inc. ($369 per month)

Silver plans are well-suited for individuals and families who expect moderate health care use. They strike a balance between monthly premiums and out-of-pocket costs at the point of care. People with lower incomes may qualify for cost-sharing reductions (CSRs), which can substantially decrease deductibles, copayments and co-insurance, leading to significant savings on overall health costs.

Data filtered by:Results filtered by:
Age:
Age:40
Aetna Health Inc.$367$8,885Silver 5: HMO Aetna network of doctors & hospitals
Aetna Health Inc.$368$9,100Silver S: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$369$8,885Innovation Health - Aetna Silver 5: HMO
Innovation Health Plan, Inc.$369$9,100Innovation Health - Aetna Silver S: HMO
Aetna Life Insurance Company$371$9,100Silver S: EPO Aetna network of doctors & hospitals
Aetna Health Inc.$375$8,445Silver 6: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$376$8,445Innovation Health - Aetna Silver 6: HMO
HealthKeepers, Inc.$378$9,450Anthem HealthKeepers Silver X DED 4450 Tiered PCP
Aetna Health Inc.$379$8,700Silver 2: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$380$8,700Innovation Health - Aetna Silver 2: HMO
Aetna Health Inc.$381$9,200Silver 3: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$382$9,200Innovation Health - Aetna Silver 3: HMO
Kaiser Permanente$390$8,000KP VA Silver Virtual Forward 4000 Ded
Sentara Health Plans$399$9,000Sentara Direct M Silver 6600 Ded
Sentara Health Plans$400$9,100Sentara Standard M Silver 5900 Ded
HealthKeepers, Inc.$404$9,450Anthem HealthKeepers Silver X DED 5000
HealthKeepers, Inc.$405$9,100Anthem HealthKeepers Silver X DED 5900 Standard
Kaiser Permanente$407$9,100KP VA Standard Silver 5900 Ded/Vision
Sentara Health Plans$407$9,450Sentara Direct M Silver 3800 Ded
HealthKeepers, Inc.$409$9,450Anthem HealthKeepers Silver X DED 4000
Cigna Health and Life Insurance Company$411$9,450Connect Silver 3250/3100 Indiv Medical/Rx Deductible
Cigna Health and Life Insurance Company$412$9,100Connect Silver CMS Standard
Cigna Health and Life Insurance Company$413$9,450Connect Silver 7000 Indiv Med Deductible
Cigna Health and Life Insurance Company$416$9,450Connect Silver 5000 Indiv Med Deductible + Acupuncture
HealthKeepers, Inc.$420$9,450Anthem HealthKeepers Silver X DED 2400
Kaiser Permanente$422$8,000KP VA Silver 5000 Ded/Vision
Oscar Insurance Company$431$9,100Silver Classic Standard
Oscar Insurance Company$433$8,900Silver Simple PCP Saver
Optimum Choice, Inc.$440$9,450UHC Silver Value
Optimum Choice, Inc.$447$9,100UHC Silver Standard
Optimum Choice, Inc.$451$9,450UHC Silver Copay Focus
Oscar Insurance Company$451$9,450Silver Elite Saver Plus
Optimum Choice, Inc.$454$9,350UHC Silver Virtual First (Disponible en espanol)
Optimum Choice, Inc.$470$9,450UHC Silver Advantage+ (Dental + Vision)
CareFirst BlueCross BlueShield$504$9,100BlueChoice HMO Standard Silver 5900 Med Ded 25 Dent Ded
CareFirst BlueCross BlueShield$519$6,500BlueChoice HMO HSA Silver 3200 Med Ded 25 Dent Ded
CareFirst BlueCross BlueShield$915$6,500BluePreferred PPO HSA Silver 3200 Med Ded 25 Dent Ded
CareFirst BlueCross BlueShield$918$9,100BluePreferred PPO Standard Silver 5900 Med Ded 25 Dent Ded

Cheapest Gold Plans in Virginia

The Innovation Health - Aetna Gold 3: HMO plan is Virginia's most affordable Gold tier health plan, offered by Innovation Health Plan, Inc. It has a monthly cost of $362.

The most affordable Gold health plans available in Virginia are:

  • Innovation Health - Aetna Gold 3: HMO from Innovation Health Plan, Inc. ($362 per month)
  • Gold 3: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($363 per month)
  • Gold S: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($364 per month)

Gold plans are a good choice for customers who expect high medical costs and prefer lower out-of-pocket costs when they receive care. These plans offer a balance between the premium and out-of-pocket expenses, which is beneficial for those needing access to frequent medical care. These plans also provide more predictable costs, which can help in budgeting for health care expenses.

Data filtered by:Results filtered by:
Age:
Age:40
Innovation Health Plan, Inc.$362$9,195Innovation Health - Aetna Gold 3: HMO
Aetna Health Inc.$363$9,195Gold 3: HMO Aetna network of doctors & hospitals
Aetna Health Inc.$364$8,700Gold S: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$364$8,700Innovation Health - Aetna Gold S: HMO
Aetna Life Insurance Company$367$8,700Gold S: EPO Aetna network of doctors & hospitals
HealthKeepers, Inc.$384$8,000Anthem HealthKeepers Gold X DED 1400 Tiered PCP
Cigna Health and Life Insurance Company$387$7,750Connect Gold 3500 Indiv Med Deductible Enhanced Diabetes Care
Kaiser Permanente$388$4,980KP VA Gold Virtual Forward 2500 Ded
Cigna Health and Life Insurance Company$389$8,500Connect Gold 2500 Indiv Med Deductible
Cigna Health and Life Insurance Company$392$8,700Connect Gold CMS Standard
Kaiser Permanente$392$6,700KP VA Gold 2000 Ded/Vision
Cigna Health and Life Insurance Company$394$9,450Connect Gold 500 Indiv Med Deductible
Kaiser Permanente$398$8,700KP VA Standard Gold 1500 Ded/Vision
Sentara Health Plans$401$8,900Sentara Direct M Gold 1000 Ded
Sentara Health Plans$401$6,000Sentara Direct M Gold 2200 Ded
Sentara Health Plans$406$8,700Sentara Standard M Gold 1500 Ded
HealthKeepers, Inc.$410$9,450Anthem HealthKeepers Gold X DED 1300
HealthKeepers, Inc.$411$8,500Anthem HealthKeepers Gold X DED 1800
Oscar Insurance Company$418$8,700Gold Classic Standard
Optimum Choice, Inc.$419$9,000UHC Gold Value
Optimum Choice, Inc.$434$8,700UHC Gold Standard
HealthKeepers, Inc.$437$8,700Anthem HealthKeepers Gold X DED 1500 Standard
Optimum Choice, Inc.$438$7,000UHC Gold Copay Focus
Kaiser Permanente$446$9,200KP VA Gold 0 Ded/Vision
CareFirst BlueCross BlueShield$456$8,700BlueChoice HMO Standard Gold 1500 Med Ded 25 Dent Ded
Optimum Choice, Inc.$462$7,000UHC Gold Advantage+ (Dental + Vision)
CareFirst BlueCross BlueShield$487$6,650BlueChoice HMO Gold 1750 Med Ded 150 Drug Ded 25 Dent Ded
CareFirst BlueCross BlueShield$869$8,700BluePreferred PPO Standard Gold 1500 Med Ded 25 Dent Ded
CareFirst BlueCross BlueShield$891$6,650BluePreferred PPO Gold 1750 Med Ded 150 Drug Ded 25 Dent Ded

Cheapest Bronze Plans in Virginia

The Innovation Health - Aetna Bronze S: HMO plan from Innovation Health Plan, Inc. stands out as the most affordable Bronze plan in Virginia, with a monthly cost of $277.

Diving into the most affordable Bronze plans, Virginia residents have several options:

  • Innovation Health - Aetna Bronze S: HMO from Innovation Health Plan, Inc. ($277 per month)
  • Bronze S: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($287 per month)
  • KP VA Bronze 7500 Ded from Kaiser Permanente ($289 per month)

Bronze plans are particularly suited for individuals who want to keep their monthly premiums low and are comfortable with higher out-of-pocket expenses when accessing health care services. These plans are ideal for those who do not expect extensive medical care throughout the year and seek coverage for worst-case health care scenarios.

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Age:
Age:40
Innovation Health Plan, Inc.$277$9,400Innovation Health - Aetna Bronze S: HMO
Aetna Health Inc.$287$9,400Bronze S: HMO Aetna network of doctors & hospitals
Kaiser Permanente$289$9,450KP VA Bronze 7500 Ded
Kaiser Permanente$302$7,050KP VA Bronze 7000 Ded/HSA/Vision
Sentara Health Plans$303$9,450Sentara Direct M Bronze 7200 Ded
Cigna Health and Life Insurance Company$304$9,450Connect Bronze 8500 Indiv Med Deductible
Innovation Health Plan, Inc.$304$9,400Innovation Health - Aetna Bronze 4: HMO
Kaiser Permanente$309$9,450KP VA Bronze 6500 Ded/Vision
Cigna Health and Life Insurance Company$316$9,400Connect Bronze CMS Standard
Aetna Health Inc.$317$9,400Bronze 4: HMO Aetna network of doctors & hospitals
Cigna Health and Life Insurance Company$318$9,450Connect Bronze 6500 Indiv Med Deductible
Sentara Health Plans$319$9,400Sentara Standard M Bronze 7500 Ded
HealthKeepers, Inc.$319$9,450Anthem HealthKeepers Bronze X DED 8200
Kaiser Permanente$321$9,400KP VA Standard Bronze 7500 Ded/Vision
Cigna Health and Life Insurance Company$321$9,450Connect Bronze 3400 Indiv Med Deductible
Sentara Health Plans$329$7,500Sentara Direct M Bronze 6000 Ded HSA
HealthKeepers, Inc.$331$9,450Anthem HealthKeepers Bronze X DED 5500
HealthKeepers, Inc.$332$9,400Anthem HealthKeepers Bronze X DED 7500 Standard
Oscar Insurance Company$334$7,450Bronze Simple HSA
HealthKeepers, Inc.$335$9,450Anthem HealthKeepers Bronze X DED 5800
Optimum Choice, Inc.$336$8,050UHC Bronze Value HSA
HealthKeepers, Inc.$336$8,000Anthem HealthKeepers Bronze X DED 5900 for HSA
Optimum Choice, Inc.$342$9,450UHC Bronze Value
Cigna Health and Life Insurance Company$347$9,450Connect Bronze 0/4900 Indiv Medical/Rx Deductible
Optimum Choice, Inc.$350$9,400UHC Bronze Standard
Oscar Insurance Company$352$9,400Bronze Classic Standard
Optimum Choice, Inc.$356$9,450UHC Bronze Virtual First (Disponible en espanol)
Optimum Choice, Inc.$361$9,450UHC Bronze Copay Focus
Oscar Insurance Company$388$9,450Bronze Elite + PCP Saver Plus
Oscar Insurance Company$392$9,450Bronze Elite + Specialist Saver Plus

Cheapest Catastrophic Plans in Virginia

The most affordable Catastrophic plan in Virginia is the KP VA Catastrophic 9450 Ded/Vision offered by Kaiser Permanente, with a monthly cost of $160.

The top three most economical Catastrophic health plans in Virginia are:

  • KP VA Catastrophic 9450 Ded/Vision from Kaiser Permanente ($160 per month)
  • BlueChoice HMO Young Adult 9450 Med Ded from CareFirst BlueCross BlueShield ($164 per month)
  • Anthem HealthKeepers Catastrophic X DED 9450 from HealthKeepers, Inc. ($200 per month)

Catastrophic plans are for adults under 30 or those with a hardship exemption. These plans have low premiums but high out-of-pocket costs, making them suitable for those who want to minimize monthly expenses while still having a safety net for major medical events. They are not recommended for those who expect regular medical visits or need frequent prescriptions.

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Age:26
Kaiser Permanente$160$9,450KP VA Catastrophic 9450 Ded/Vision
CareFirst BlueCross BlueShield$164$9,450BlueChoice HMO Young Adult 9450 Med Ded
HealthKeepers, Inc.$200$9,450Anthem HealthKeepers Catastrophic X DED 9450
Oscar Insurance Company$223$9,450Secure

Cheapest Platinum Plans in Virginia

Virginia's most affordable Platinum plan is the KP VA Standard Platinum 0 Ded/Vision from Kaiser Permanente, with a monthly cost of $497.

  • KP VA Standard Platinum 0 Ded/Vision from Kaiser Permanente ($497 per month)

Platinum health plans are ideal for customers who expect high medical usage and prefer paying higher premiums for more coverage, with lower out-of-pocket costs when accessing health care services. These plans, offering the lowest out-of-pocket expenses compared to other metal tiers, are suitable for those who visit doctors frequently or have ongoing medical treatment needs. They provide peace of mind for customers seeking comprehensive coverage with minimal additional expenses.

Data filtered by:Results filtered by:
age:
age:40
Kaiser Permanente$497$3,200KP VA Standard Platinum 0 Ded/Vision
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for deductibles, copayments and co-insurance on Silver health insurance plans. To qualify, your income must be between 100% and 250% of the federal poverty level. For instance, without CSRs, the Silver plan's maximum out-of-pocket could be $7,900. With a high level of CSR, the maximum out-of-pocket might drop to $2,500, significantly decreasing the costs you would pay in a high-medical-use year.

Cheapest Health Insurance in Virginia by Plan Type

Health Maintenance Organization (HMO) plans are the most popular plan type in Virginia. Virginia's most affordable health plan within the HMO category ensures budget-conscious Virginians can access necessary health care services.

The cheapest Silver plans in Virginia by plan type are:

  • HMO: Silver 5: HMO Aetna Network of Doctors & Hospitals from Aetna Health Inc. ($367 per month)
  • EPO: Silver S: EPO Aetna Network of Doctors & Hospitals from Aetna Life Insurance Company ($371 per month)
  • PPO: BluePreferred PPO HSA Silver 3200 Med Ded 25 Drug from CareFirst BlueCross BlueShield ($915 per month)

Generally, HMO plans are cheaper than EPO (Exclusive Provider Organization) and PPO (Preferred Provider Organizations) plans. However, HMO plans limit coverage to services received within the HMO's health care provider network and require referrals to see specialists.

Data filtered by:Results filtered by:
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Age:40
Plan Type:
Plan Type:HMO
Aetna Health Inc.$367$8,885Silver 5: HMO Aetna network of doctors & hospitals
Aetna Health Inc.$368$9,100Silver S: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$369$8,885Innovation Health - Aetna Silver 5: HMO
Innovation Health Plan, Inc.$369$9,100Innovation Health - Aetna Silver S: HMO
Aetna Health Inc.$375$8,445Silver 6: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$376$8,445Innovation Health - Aetna Silver 6: HMO
HealthKeepers, Inc.$378$9,450Anthem HealthKeepers Silver X DED 4450 Tiered PCP
Aetna Health Inc.$379$8,700Silver 2: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$380$8,700Innovation Health - Aetna Silver 2: HMO
Aetna Health Inc.$381$9,200Silver 3: HMO Aetna network of doctors & hospitals
Innovation Health Plan, Inc.$382$9,200Innovation Health - Aetna Silver 3: HMO
Kaiser Permanente$390$8,000KP VA Silver Virtual Forward 4000 Ded
Sentara Health Plans$399$9,000Sentara Direct M Silver 6600 Ded
Sentara Health Plans$400$9,100Sentara Standard M Silver 5900 Ded
HealthKeepers, Inc.$404$9,450Anthem HealthKeepers Silver X DED 5000
HealthKeepers, Inc.$405$9,100Anthem HealthKeepers Silver X DED 5900 Standard
Kaiser Permanente$407$9,100KP VA Standard Silver 5900 Ded/Vision
Sentara Health Plans$407$9,450Sentara Direct M Silver 3800 Ded
HealthKeepers, Inc.$409$9,450Anthem HealthKeepers Silver X DED 4000
HealthKeepers, Inc.$420$9,450Anthem HealthKeepers Silver X DED 2400
Kaiser Permanente$422$8,000KP VA Silver 5000 Ded/Vision
Optimum Choice, Inc.$440$9,450UHC Silver Value
Optimum Choice, Inc.$447$9,100UHC Silver Standard
Optimum Choice, Inc.$451$9,450UHC Silver Copay Focus
Optimum Choice, Inc.$454$9,350UHC Silver Virtual First (Disponible en espanol)
Optimum Choice, Inc.$470$9,450UHC Silver Advantage+ (Dental + Vision)
CareFirst BlueCross BlueShield$504$9,100BlueChoice HMO Standard Silver 5900 Med Ded 25 Dent Ded
CareFirst BlueCross BlueShield$519$6,500BlueChoice HMO HSA Silver 3200 Med Ded 25 Dent Ded
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in Virginia is the Health Maintenance Organization (HMO), but it's not the only one. Here's a breakdown of the differences between each available plan type:

  • Health Maintenance Organization (HMO): HMO plans require members to choose a primary care physician (PCP) and obtain referrals from their PCP to see specialists. This feature can benefit coordinated care but may limit flexibility in choosing health care providers. Typically, HMOs offer lower premiums and out-of-pocket costs in exchange for a limited network of doctors and hospitals. Members normally cannot receive coverage for services rendered by out-of-network providers unless it's an emergency.

  • Exclusive Provider Organization (EPO): EPO plans provide a network of health care providers that members can use, but unlike HMOs, they usually do not require referrals to see specialists, offering a bit more freedom. While providing more flexibility than HMOs, EPO plans may impose higher costs when using out-of-network providers, often without any coverage unless it's for emergency care.

  • Preferred Provider Organization (PPO): PPO plans offer the most flexibility, allowing members to see specialists and out-of-network providers without referrals. This convenience is well-suited for individuals desiring more choice and direct access to a variety of health care services. The increased flexibility comes with higher premiums and costs. PPOs provide some coverage for out-of-network care, but it will be at a lower level than in-network services.

Cheapest Health Insurance in Virginia by County

Health insurance rates and availability of certain plans vary by county in Virginia, with each location presenting a unique landscape of options and costs for its residents.

Comparing the most affordable plans in the largest and smallest counties by population shows this variation in monthly rates:

  • Fairfax County: Sentara Direct M Silver 6600 Ded from Sentara Health Plans ($355 per month)
  • Highland County: Anthem HealthKeepers Silver X DED 5000 from HealthKeepers, Inc. ($393 per month)

The following table displays all available plans in each county in Virginia so you can compare rates between locations.

Data filtered by:Results filtered by:
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County Name:Fairfax
Sentara Health Plans$355$9,000Sentara Direct M Silver 6600 Ded
Sentara Health Plans$356$9,100Sentara Standard M Silver 5900 Ded

Health Insurance Costs in Virginia by Age and Metal Tier

In Virginia, age plays a significant role in setting health insurance prices within metal tiers. A Silver plan for an 18-year-old costs an average of $415 per month, while a 60-year-old pays $1,232 for the same type of plan, demonstrating a difference of $817.

Health insurance costs for a 40-year-old with a Bronze plan are $331 monthly, while a Gold plan costs $560 for the same age. That's a difference of $229, with the Gold plan being more expensive due to offering more coverage.

Health Insurance Costs in Virginia by Age and Metal Tier

What to Know About Health Insurance in Virginia

MoneyGeek broke down all the health insurance options in Virginia. We explain private insurance that people can buy in the market, including different levels like metal tiers, and we also cover Medicaid and Medicare. Our goal is to help you understand your choices so you can pick the best health care for yourself.

Private Health Insurance in the Virginia Marketplace

In Virginia, the open enrollment period for health insurance through the Health Insurance Marketplace typically runs from November 1 to December 15 each year. Residents can shop for, compare and purchase private health insurance plans during this time. If you miss the deadline, you'll generally have to wait until the next open enrollment period to get coverage unless you qualify for a Special Enrollment Period (SEP). A SEP can occur due to certain life events, such as getting married, having a baby or losing other health coverage, which allows you to enroll outside the standard period.

Medicaid in Virginia

Medicaid is a joint state and federal program that provides health care coverage to eligible adults, children, pregnant women, elderly adults and people with disabilities. In Virginia, eligibility is determined based on income, household size and other factors, with specific thresholds set for different groups. For example, children and pregnant women may qualify at higher income levels than other adults. Expanded Medicaid under the Affordable Care Act now allows more Virginians to get coverage, including those who meet income requirements up to 138% of the federal poverty level. Applications can be submitted anytime, with coverage beginning immediately if eligible.

Medicare in Virginia

Medicare is a federal health insurance program primarily for individuals aged 65 or older, but it is also available to some younger people with disabilities and those with End-Stage Renal Disease. In Virginia, as in all states, eligibility is based not on residency but on work history and certain health criteria. Medicare consists of several parts: Part A covers hospital and inpatient services, Part B covers outpatient and medical services, Part C (Medicare Advantage) offers an alternative to Original Medicare with additional benefits and Part D provides prescription drug coverage. There are also Medicare Supplement (Medigap) plans that help cover costs not included in Original Medicare.

You can explore the best Medicare Advantage plans in Virginia and the best Medicare Supplement plans in Virginia for additional coverage options tailored to individual needs.

Virginia Health Insurance FAQ

You may have questions about cost and availability when looking for health insurance. MoneyGeek responded to frequently asked questions about cheap private health insurance in Virginia to help you learn more.

What are the cheapest Silver and Gold plans in Virginia for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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