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

CareFirst BlueChoice Health Insurance in Nottoway County, Virginia

CareFirst BlueChoice is one of 6 confirmed carriers offering marketplace plans in Nottoway County's Rating Area 8 for 2026.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Nottoway County has a population of 15,597 and an uninsured rate of 10.3% per U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace Virginia allows residents to choose from HMO, PPO, and EPO plan types, with PPO options available on-exchange.

Navigating health insurance options in Nottoway County, Virginia, includes understanding plans offered by carriers like CareFirst BlueChoice. As one of the six health insurance carriers serving Rating Area 8, CareFirst BlueChoice provides various plan options through Marketplace Virginia (HealthCare.gov). Residents of Nottoway County, with a population of 15,597, have access to subsidized plans based on income, ensuring that affordable coverage is within reach for many. Virginia's expanded Medicaid program also offers a critical safety net for individuals and families with lower incomes, covering adults up to 138% of the Federal Poverty Level.

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Understanding CareFirst BlueChoice Plans in Nottoway County

CareFirst BlueChoice is a significant provider of health insurance plans in Nottoway County, offering a range of options through Marketplace Virginia. These plans are structured to meet different healthcare needs and budget considerations, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Unlike some states, Virginia's marketplace includes PPO plans, which typically offer more flexibility in choosing healthcare providers, including out-of-network options at a higher cost. When considering a CareFirst BlueChoice plan, Nottoway County residents should evaluate factors such as monthly premiums, deductibles, copayments, and the network of doctors and facilities. While Nottoway County itself does not have acute care hospitals, residents travel to neighboring counties for such services, making network breadth an important consideration. CareFirst BlueChoice plans aim to provide comprehensive coverage for essential health benefits, aligning with the Affordable Care Act (ACA) standards, which include preventive care, emergency services, prescription drugs, and mental health services.

Health Insurance Carriers in Nottoway County

In 2026, 6 carriers offer marketplace plans in 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 ensures Nottoway County residents have a strong selection of choices when enrolling in a health plan. The confirmed health insurance carriers for Rating Area 8 in 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a variety of plan tiers—Bronze, Silver, Gold, and sometimes Platinum—along with catastrophic plans for eligible individuals under 30 or those with hardship exemptions. These tiers differ in their cost-sharing structures, with Bronze plans typically having lower monthly premiums but higher deductibles, and Gold plans offering higher premiums but lower out-of-pocket costs when care is needed.

Affording Coverage: Subsidies and Medicaid in Virginia

For many Nottoway County residents, the cost of health insurance can be significantly reduced through financial assistance available on Marketplace Virginia. These subsidies, known as Premium Tax Credits, are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). The exact amount of the subsidy depends on income, household size, and the cost of the benchmark Silver plan in Rating Area 8. In addition to Premium Tax Credits, individuals with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) if they select a Silver-tier plan. CSRs reduce the amount you pay out-of-pocket for deductibles, copayments, and coinsurance, making healthcare more accessible. Virginia also has an expanded Medicaid program, known as Virginia Medicaid Expansion or FAMIS Plus, which covers adults with incomes up to 138% FPL. This means that individuals in Nottoway County who earn below this threshold may qualify for comprehensive, low-cost or no-cost health coverage. For specific groups, eligibility thresholds are even higher: pregnant women (FAMIS Moms) and children (FAMIS) can qualify with household incomes up to 200% FPL. These programs provide essential healthcare services, including prenatal and postpartum care for pregnant women, and comprehensive coverage for children. Nottoway County, part of Virginia Rating Area 8, is one of the state's more rural counties, with a population of 15,597 and an uninsured rate of 10.3% per U.S. Census Bureau ACS 2024 5-year estimates. While the county has no acute care hospitals within its boundaries, residents needing such services travel to neighboring counties. The median household income in Nottoway County is $63,261, with a poverty rate of 18.5%, highlighting the importance of affordable health insurance options and robust Medicaid programs for its diverse population.

Choosing the Right Plan in Nottoway County

When selecting a health insurance plan in Nottoway County, it's essential to consider your specific healthcare needs, budget, and preferred access to doctors and hospitals. Here's a guide to help you decide:

If your income is below 138% FPL: You will likely qualify for Virginia Medicaid (FAMIS Plus). This program offers comprehensive coverage with minimal or no out-of-pocket costs.
If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits to lower your monthly premiums on Marketplace Virginia. Consider a Silver plan, especially if your income is below 250% FPL, to also benefit from Cost-Sharing Reductions.
If your income is above 400% FPL: You will pay full price for a marketplace plan. Evaluate Bronze, Silver, and Gold plans based on your expected healthcare usage. Bronze plans are good for those who expect minimal medical care, while Gold plans suit those who anticipate more frequent doctor visits or need for specialized services.

Consider the plan type that best fits your needs. HMO plans typically have lower premiums but require you to stay within a specific network and get referrals for specialists. PPO plans offer more flexibility to see out-of-network providers, though at a higher cost, and generally don't require referrals. EPO plans offer a network similar to an HMO but usually without the need for referrals.

Frequently Asked Questions

Is CareFirst BlueChoice available on Marketplace Virginia in Nottoway County?

Yes, CareFirst BlueChoice is one of the six health insurance carriers offering plans on Marketplace Virginia (HealthCare.gov) in Nottoway County for the 2026 plan year. Residents can compare their plans alongside other options during open enrollment.

What types of health plans can I find in Nottoway County?

In Nottoway County, and across Virginia, marketplace shoppers can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. PPO plans are available on-exchange, offering more flexibility in provider choice.

Can I qualify for Medicaid in Nottoway County, Virginia?

Yes, Virginia expanded Medicaid in 2019. Adults in Nottoway County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. Pregnant women can qualify with incomes up to 200% FPL, and children up to 200% FPL for FAMIS.

What is Rating Area 8 in Virginia, and how does it affect Nottoway County residents?

Nottoway County is part of Virginia Rating Area 8. This means that health insurance premiums and plan availability are standardized across all 43 counties within this rating area. The carriers and plans offered to Nottoway County residents are the same as those offered in other counties like Albemarle, Amelia, and Prince Edward, ensuring consistent access and pricing within the region.