Find Health Insurance Plans in Virginia

Yes. Virginia launched its own state-based marketplace in 2023. You can enroll in ACA health plans at marketplace.virginia.gov. Virginia runs its own exchange, though plans still meet federal ACA standards.

Yes. Virginia expanded Medicaid in 2019. Virginians earning up to 138% of the Federal Poverty Level (about $22,025 for a single person in 2026) may qualify for Medicaid at little or no cost. Those earning above this threshold should explore ACA Marketplace plans.

Premium Tax Credits are available to Virginians earning between 138% and above the Federal Poverty Level. There is no strict upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify. Use the calculator above to estimate your amount.

Virginia Marketplace plans come in Bronze, Silver, Gold, and Platinum tiers. Silver plans are typically the best value for subsidy-eligible enrollees. Enhanced Silver plans (available to those at 100–250% FPL) offer significantly reduced deductibles and out-of-pocket costs.

Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.

A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.

At the federal level, the individual mandate penalty was reduced to $0 in 2019. Virginia does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.