Updated July 2026 · VirginiaPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

CareFirst BlueChoice Health Insurance in Campbell County, Virginia

CareFirst BlueChoice is one of 6 carriers offering marketplace health plans in Campbell County for 2026.
Virginia residents in Campbell County can choose from HMO, PPO, and EPO plans on HealthCare.gov.
Individuals and families with incomes up to 400% FPL may qualify for subsidies to reduce CareFirst BlueChoice plan costs.
Virginia expanded Medicaid in 2019, covering adults up to 138% FPL, and pregnant women up to 200% FPL.

For residents of Campbell County, Virginia, CareFirst BlueChoice offers a range of health insurance options through the state's HealthCare.gov marketplace. As one of six confirmed carriers for 2026, CareFirst BlueChoice provides various plans designed to meet different needs and budgets, including HMO, PPO, and EPO structures. Understanding how these plans fit into the local healthcare landscape and what financial assistance is available is key to making an informed decision about your coverage.

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What Are Your CareFirst BlueChoice Options in Campbell County?

In Campbell County, CareFirst BlueChoice participates in Virginia's HealthCare.gov marketplace, offering health insurance plans for individuals and families. The plans available typically include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. Each plan type has different rules regarding network access and referrals, so it is important to understand which structure best suits your healthcare preferences.

CareFirst BlueChoice plans are part of Virginia Rating Area 8, which covers a total of 43 counties: Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, Westmoreland, Winchester counties. This means that plan rates and availability for CareFirst BlueChoice are consistent across this large region.

Financial Assistance for CareFirst BlueChoice Plans

Many Campbell County residents may qualify for financial assistance to make CareFirst BlueChoice plans more affordable. These subsidies are available through HealthCare.gov and are based on your household income and family size.

Premium Tax Credits (PTCs): These reduce your monthly premium payment. Eligibility extends to individuals and families with incomes up to 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are available to those with incomes up to 250% FPL who enroll in a Silver-tier plan.

For example, a single individual in Campbell County earning up to approximately $60,240 per year (400% FPL) in 2026 could qualify for premium tax credits. A family of four earning up to about $124,800 annually (400% FPL) could also receive significant financial help. These subsidies are critical for making comprehensive health insurance accessible.

Virginia Medicaid and FAMIS Programs in Campbell County

Virginia expanded its Medicaid program in 2019, making health coverage available to more residents of Campbell County. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. This program provides comprehensive health benefits with no monthly premiums or deductibles.

For pregnant women, Virginia Medicaid (FAMIS Moms) offers coverage up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children in households up to 200% FPL can enroll in FAMIS (Family Access to Medical Insurance Security). For children in families earning between 200% and 400% FPL, FAMIS Select provides low-cost coverage options. Applications for these programs can be submitted through commonhelp.virginia.gov.

Campbell County, part of Virginia Rating Area 8, is a rural county with a population of 55,312 and an uninsured rate of 4.7% per U.S. Census Bureau ACS 2024 5-year estimates. The median household income is $66,165. Campbell County has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services. CareFirst BlueChoice plans, like others in the area, provide access to networks that include facilities outside the county.

Health Insurance Carriers in Campbell County

In 2026, 6 carriers offer marketplace plans in Rating Area 8, which includes Campbell County. CareFirst BlueChoice is one of these providers, giving residents a choice of options for their healthcare needs. The confirmed carriers for this rating area are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When selecting a plan, consider factors such as monthly premiums, deductibles, copayments, coinsurance, and the network of doctors and hospitals. Each carrier offers plans at different metal tiers (Bronze, Silver, Gold, Platinum) with varying levels of coverage and out-of-pocket costs.

Choosing the Right CareFirst BlueChoice Plan

Selecting the best CareFirst BlueChoice plan in Campbell County depends on your individual health needs, financial situation, and preferences. Consider the following when making your decision:

Your Healthcare Usage: If you anticipate frequent doctor visits or need ongoing prescriptions, a plan with lower out-of-pocket costs (like a Gold or Silver plan with CSRs) might be more suitable, even if it has a higher premium. If you are generally healthy and only expect preventive care, a Bronze plan with a lower premium might be sufficient.
Provider Network: Check if your preferred doctors, specialists, and any necessary hospitals are in the CareFirst BlueChoice network for the plan you are considering. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while PPOs offer more flexibility to see out-of-network providers at a higher cost. EPOs have a network but usually do not require referrals.
Budget: Balance your monthly premium payment with potential out-of-pocket costs. Remember that premium tax credits can significantly reduce your monthly premium, while cost-sharing reductions on Silver plans can lower your deductible and other expenses.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized assistance to help you compare CareFirst BlueChoice plans and other options, ensuring you choose coverage that aligns with your needs and budget.

Frequently Asked Questions

Is CareFirst BlueChoice available in all parts of Campbell County?

CareFirst BlueChoice is one of six carriers offering plans in Virginia Rating Area 8, which includes all of Campbell County. Availability is generally county-wide for all carriers on the HealthCare.gov marketplace, but specific plan networks may vary by ZIP code. Always verify plan details for your exact address.

What types of plans does CareFirst BlueChoice offer in Campbell County?

In Campbell County, and across Virginia's marketplace, consumers can typically choose from HMO, PPO, and EPO plans. CareFirst BlueChoice offers various plan types within these structures, often focusing on HMO and PPO options. The specific offerings for 2026 can be reviewed on HealthCare.gov during Open Enrollment.

Can I get financial help to pay for a CareFirst BlueChoice plan?

Yes, individuals and families in Campbell County with incomes up to 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to lower their monthly costs. Those with incomes up to 250% FPL may also qualify for cost-sharing reductions (CSRs) to reduce out-of-pocket expenses on Silver plans. Eligibility is determined when you apply through HealthCare.gov.

How do I apply for CareFirst BlueChoice health insurance?

You can apply for CareFirst BlueChoice health insurance plans through HealthCare.gov during the annual Open Enrollment Period. If you experience a qualifying life event, such as moving to Campbell County, getting married, or having a baby, you may be eligible for a Special Enrollment Period outside of Open Enrollment.