CareFirst BlueChoice Health Insurance in King and Queen County, Virginia
- In 2026, CareFirst BlueChoice is one of 6 carriers offering health insurance plans on the Marketplace Virginia in King and Queen County.
- King and Queen County is part of Virginia Rating Area 8, which includes 43 counties across the state.
- Virginia expanded Medicaid in 2019, allowing adults with incomes up to 138% of the Federal Poverty Level to qualify.
- King and Queen County has a population of 6,695, with a median income of $70,469 and an uninsured rate of 5.8%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What CareFirst BlueChoice Plans Are Available in King and Queen County?
In 2026, CareFirst BlueChoice is one of the 6 health insurance carriers confirmed to offer plans on the Marketplace Virginia for residents of King and Queen County. As part of Virginia Rating Area 8, King and Queen County residents have access to a range of plan structures, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means you can choose a plan that balances network flexibility, cost, and primary care coordination according to your needs. When considering a CareFirst BlueChoice plan, it's important to evaluate the specific benefits, deductibles, copayments, and out-of-pocket maximums for each metal tier (Bronze, Silver, Gold, Platinum). Bronze plans typically have lower monthly premiums but higher out-of-pocket costs when you use services, while Gold and Platinum plans have higher premiums but lower costs for care. Silver plans offer a balance and are the only tier eligible for cost-sharing reductions, which can significantly lower your out-of-pocket expenses if your income qualifies.Understanding Your Eligibility and Financial Assistance Options
Many King and Queen County residents can receive financial assistance to lower the cost of their health insurance premiums and out-of-pocket expenses. This assistance is available through the Marketplace Virginia in the form of premium tax credits and cost-sharing reductions.Premium Tax Credits (Subsidies): These credits reduce your monthly premium, making health insurance more affordable. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Even those with moderate incomes may qualify, especially with enhanced subsidies currently in place.
Cost-Sharing Reductions (CSRs): Available only with Silver-tier plans, CSRs reduce your deductibles, copayments, and out-of-pocket maximums. You must have an income between 100% and 250% of the FPL to qualify for these additional savings. King and Queen County has a poverty rate of 17.9%, per U.S. Census Bureau ACS 2024 5-year estimates, indicating that many residents may benefit from these reductions.
Virginia Medicaid and FAMIS Programs: Virginia expanded Medicaid in 2019 (Virginia Medicaid Expansion / FAMIS Plus), meaning adults with incomes up to 138% FPL may qualify for comprehensive, low-cost health coverage. Additionally, Virginia Medicaid (FAMIS Moms) covers pregnant women with incomes up to 200% FPL, and FAMIS (Family Access to Medical Insurance Security) covers uninsured children in households up to 200% FPL. For children with incomes between 200% and 400% FPL, FAMIS Select offers low-cost coverage. These programs provide vital safety nets for many families in King and Queen County.
King and Queen County, part of Virginia Rating Area 8, is one of the state's more rural counties, with a population of 6,695 and an uninsured rate of 5.8% per U.S. Census Bureau ACS 2024 5-year estimates. The county has no acute care hospitals within its boundaries, meaning residents needing hospital services typically travel to neighboring counties within Rating Area 8, which covers 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 highlights the importance of choosing a plan with a broad network that includes facilities in accessible neighboring areas.
Health Insurance Carriers in King and Queen County
For the 2026 plan year, King and Queen County residents have a choice of 6 health insurance carriers offering plans on the Marketplace Virginia. This competition helps ensure a variety of plan options and price points. The confirmed carriers serving Rating Area 8, which includes King and Queen County, are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in King and Queen County
Choosing the right health insurance plan, whether from CareFirst BlueChoice or another carrier, involves considering several factors.If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus) or FAMIS Moms/FAMIS for pregnant women and children. This will offer the most comprehensive and lowest-cost coverage.
If your income is between 100% and 400% FPL: You are likely eligible for significant premium tax credits, which can make a Marketplace Virginia plan very affordable. Consider a Silver plan to also maximize cost-sharing reductions if your income is below 250% FPL, as this will lower your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase a plan through the Marketplace Virginia or directly from a carrier. While you may not qualify for subsidies, you benefit from the consumer protections of the Affordable Care Act (ACA), such as coverage for pre-existing conditions and essential health benefits.
A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand networks, and navigate the enrollment process on the Marketplace Virginia. Their services are free to you and can help ensure you select the best plan for your circumstances.