CareFirst BlueChoice Health Insurance in Haymarket, Virginia

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

CareFirst BlueChoice is one of 6 carriers offering marketplace plans in Virginia Rating Area 1 for 2026.
Marketplace plans in Haymarket, Virginia, include HMO, PPO, and EPO options, with PPO plans available on-exchange.
Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level (FPL).
Residents of Haymarket, Virginia, can enroll through Marketplace Virginia (HealthCare.gov) during Open Enrollment.

Navigating health insurance options in Haymarket, Virginia, can be simplified by understanding the plans available from carriers like CareFirst BlueChoice. As a resident of Haymarket, which is part of Prince William County and Virginia Rating Area 1, you have access to a variety of health plans through Marketplace Virginia (HealthCare.gov). CareFirst BlueChoice offers plans that provide comprehensive coverage, with options including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) structures. Understanding your income, health needs, and preferred provider access will help you choose the best plan for 2026.

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What Are Your CareFirst BlueChoice Plan Options in Haymarket?

In Haymarket, Virginia, CareFirst BlueChoice provides a range of health insurance plans designed to meet diverse needs and budgets. These plans are available on the Marketplace Virginia (HealthCare.gov), offering access to potential subsidies that can significantly reduce your monthly premiums. Virginia's marketplace includes HMO, PPO, and EPO plan types, giving you flexibility in how you access care. PPO plans, which offer more freedom to see out-of-network providers (albeit at a higher cost), are available on-exchange in Virginia, unlike some other states. When choosing a plan, consider the following:

HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the network and get referrals to see specialists. These plans often have lower premiums.
PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see any doctor or specialist without a referral, both in-network and out-of-network (though out-of-network care will cost more).
EPO (Exclusive Provider Organization): Similar to an HMO in that it generally only covers care within its network, but usually does not require referrals to see specialists within that network.

CareFirst BlueChoice plans often have a strong network of doctors and hospitals, including facilities like Uva Health Haymarket Medical Center, which serves the local Haymarket community.

How Do Subsidies and Medicaid Affect Your Costs in Virginia?

Affording health insurance is a key concern for many. In Virginia, financial assistance is available through federal subsidies and state Medicaid programs. These programs can make CareFirst BlueChoice plans, or any other marketplace plan, much more accessible.

Advance Premium Tax Credits (APTCs)

If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs). These subsidies are paid directly to your insurer, reducing your monthly premium amount. For example, a single individual earning up to approximately $58,320 per year (400% FPL in 2026, based on current FPL guidelines) may be eligible for significant premium reductions.

Cost-Sharing Reductions (CSRs)

For individuals and families with incomes up to 250% FPL, Cost-Sharing Reductions (CSRs) are available. CSRs reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. These benefits are only available on Silver-tier plans, making Silver plans a particularly strong value for eligible individuals.

Virginia Medicaid Expansion

Virginia expanded its Medicaid program in 2019 (Virginia Medicaid Expansion / FAMIS Plus). This means that adults with household incomes up to 138% FPL can qualify for comprehensive, low-cost or no-cost health coverage. For a single individual, this threshold is approximately $20,120 per year (based on current FPL guidelines). Virginia Medicaid also provides specific programs for pregnant women (FAMIS Moms, up to 200% FPL) and children (FAMIS, up to 200% FPL), with FAMIS Select available for children between 200% and 400% FPL. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Haymarket

Residents of Haymarket, Virginia, have a strong selection of carriers to choose from on the Marketplace Virginia. In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, Warren counties. The confirmed carriers for this rating area in 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

CareFirst BlueChoice is a prominent option among these, offering a variety of plan types to Haymarket residents. When comparing plans, consider the specific network of doctors and hospitals, the premium costs, and the out-of-pocket expenses like deductibles and copayments. Haymarket, Virginia, with a population of 1,580 and an uninsured rate of 4.7% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Prince William County. Prince William County itself has a population of 488,880 and an uninsured rate of 10.0%. The county is served by two acute care hospitals: Sentara Northern Virginia Medical Center in Woodbridge and Uva Health Haymarket Medical Center in Haymarket, both of which are important considerations for local healthcare access.

Making Your Health Plan Decision in Haymarket

Choosing the right CareFirst BlueChoice plan, or any other plan, in Haymarket depends on your unique circumstances. Here’s a quick guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which offers comprehensive, low-cost coverage. This is often the best and most affordable option.
If your income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) to lower your monthly premiums on marketplace plans. Consider a Silver plan, especially if your income is below 250% FPL, to also benefit from Cost-Sharing Reductions (CSRs).
If your income is above 400% FPL: While you won't qualify for subsidies, you can still purchase a CareFirst BlueChoice plan (or other carrier plans) through Marketplace Virginia or directly from the insurer. Focus on plan types (HMO, PPO, EPO) and network coverage that best suits your needs.

A licensed health insurance producer can provide personalized guidance, helping you compare CareFirst BlueChoice options and other carriers in Haymarket, verify network doctors, and understand your subsidy eligibility, all at no cost to you.

Frequently Asked Questions

What types of CareFirst BlueChoice plans are available in Haymarket?

In Haymarket, CareFirst BlueChoice offers health plans through the Marketplace Virginia, which include HMO, PPO, and EPO options. These plans cater to various needs, focusing on different network structures and cost-sharing models.

Can I get a subsidy for CareFirst BlueChoice plans in Haymarket?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Additionally, those with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which reduce out-of-pocket costs like deductibles and copayments.

How do I enroll in a CareFirst BlueChoice plan in Haymarket?

You can enroll in a CareFirst BlueChoice plan during the annual Open Enrollment Period through Marketplace Virginia (HealthCare.gov). If you experience a qualifying life event, such as moving to Haymarket, getting married, or having a baby, you may be eligible for a Special Enrollment Period outside of Open Enrollment.

What hospitals in Prince William County accept CareFirst BlueChoice plans?

CareFirst BlueChoice plans typically include a network of local providers and hospitals. In Prince William County, major facilities like Sentara Northern Virginia Medical Center in Woodbridge and Uva Health Haymarket Medical Center in Haymarket are important considerations for network access. It is always recommended to verify specific network participation for your chosen plan.