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

CareFirst BlueChoice Health Insurance in Surry County, Virginia

CareFirst BlueChoice is one of 6 carriers offering marketplace plans in Surry County for the 2026 plan year.
Surry County residents can choose from HMO, PPO, and EPO plans on Marketplace Virginia, with PPOs available on-exchange.
Financial assistance, including Premium Tax Credits, is available for individuals and families with incomes between 100% and 400% of the Federal Poverty Level.
Virginia Medicaid (FAMIS Plus) covers adults with incomes up to 138% FPL, and pregnant women/children up to 200% FPL.
Surry County is part of Virginia Rating Area 4, which includes 16 other counties, and has no acute care hospitals within its borders.

Navigating health insurance options in Surry County, Virginia, involves understanding both federal marketplace rules and specific local availability. For 2026, residents have access to plans from CareFirst BlueChoice and five other carriers through Marketplace Virginia, the state-based marketplace that uses the HealthCare.gov platform. These plans offer comprehensive coverage, and many individuals and families qualify for significant financial assistance to lower their monthly premiums and out-of-pocket costs. Whether you're seeking individual, family, or small business coverage, understanding the available plan types, local carriers, and eligibility for subsidies is crucial for making an informed decision.

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What Health Insurance Plans Are Available in Surry County?

In Surry County, residents can access a variety of health insurance plan types through Marketplace Virginia. Unlike some states, Virginia's marketplace allows consumers to choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means you have a broad range of options to consider, including PPO plans that offer more flexibility in choosing providers outside a specific network, often without a referral. Plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance between monthly premiums and out-of-pocket costs:

Bronze Plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for individuals who expect to use medical services infrequently and primarily want protection against catastrophic costs.
Silver Plans: Silver plans strike a balance between premiums and out-of-pocket costs. They are particularly valuable for those who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and coinsurance if your income is between 100% and 250% of the Federal Poverty Level.
Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans offer lower deductibles and out-of-pocket maximums. These are suitable for individuals who anticipate needing more medical care throughout the year and prefer to pay more upfront for lower costs when they access services.
Platinum Plans: Platinum plans have the highest monthly premiums but the lowest deductibles and out-of-pocket costs. They are ideal for those with significant ongoing medical needs who want most of their costs covered by the plan.

All plans available on Marketplace Virginia cover essential health benefits, including doctor visits, prescription drugs, emergency services, hospitalization, maternity care, and mental health services.

Financial Assistance for Health Insurance in Surry County

Many Surry County residents are eligible for financial assistance to make health insurance more affordable. The Affordable Care Act (ACA) provides two main types of subsidies:

Premium Tax Credits (PTCs): These subsidies reduce your monthly premium. Eligibility is based on household income relative to the Federal Poverty Level (FPL). If your income is between 100% and 400% FPL, you may qualify for PTCs. These credits can be applied directly to your premium each month, lowering your upfront cost.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You qualify for CSRs if your income is between 100% and 250% FPL. These reductions effectively make Silver plans much more generous, providing benefits similar to Gold or even Platinum plans at a lower premium.

For individuals and families with lower incomes, Virginia also offers Medicaid. Virginia expanded Medicaid in 2019 (known as Virginia Medicaid Expansion or FAMIS Plus), covering adults with incomes up to 138% of the Federal Poverty Level. 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 up to 200% FPL, with FAMIS Select offering low-cost coverage for children between 200% and 400% FPL. These programs provide comprehensive, low-cost or no-cost coverage. You can apply for Virginia Medicaid programs through commonhelp.virginia.gov.

Health Insurance Carriers in Surry County

For the 2026 plan year, Surry County residents have a strong selection of health insurance carriers offering plans through Marketplace Virginia. In 2026, 6 carriers offer marketplace plans in Rating Area 4. These carriers provide a range of plan types and coverage options to meet diverse needs. The confirmed carriers offering plans in Surry County include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When reviewing plans, consider factors such as network size, specific doctors and hospitals included, prescription drug coverage, and overall cost structure (premiums, deductibles, copays, and out-of-pocket maximums). Surry County, with a population of 6,549 and an uninsured rate of 3.1% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Virginia Rating Area 4. This rating area also covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Virginia Beach, Williamsburg, and York counties. Surry County has no acute care hospitals within its boundaries, so residents needing acute care travel to neighboring counties for services.

Choosing the Right CareFirst BlueChoice Plan in Surry County

CareFirst BlueChoice offers a variety of plans, and selecting the right one involves assessing your expected healthcare needs and financial situation. If you anticipate frequent doctor visits or managing a chronic condition, a Gold or Platinum plan might offer better value despite higher premiums, as your out-of-pocket costs will be lower. If you are generally healthy and primarily want protection against unexpected medical emergencies, a Bronze plan could be a cost-effective choice, especially if you qualify for Premium Tax Credits. Consider these steps when choosing a plan:

Estimate Your Healthcare Needs: Think about how often you expect to visit the doctor, whether you have ongoing prescriptions, or if you're planning any major medical procedures.
Check Provider Networks: Ensure your preferred doctors, specialists, and any facilities you use are in the plan's network. This is especially important for HMO and EPO plans.
Understand Costs: Compare monthly premiums, deductibles, copayments, and out-of-pocket maximums across different metal tiers and carriers. Use the plan's Summary of Benefits and Coverage.
Factor in Subsidies: If eligible for Premium Tax Credits or Cost-Sharing Reductions, these will significantly impact your actual costs. A licensed agent can help you understand how these apply to your situation.

Get Your Free Quote

Choosing the right health insurance plan can be complex, especially with multiple carriers and plan types available. A licensed health insurance producer can provide personalized, unbiased guidance to help you understand your options, compare plans, and determine your eligibility for financial assistance. Their services are typically free to you, as they are compensated by the insurance carriers. Get started today by requesting a free quote to find the best CareFirst BlueChoice plan or other suitable coverage for your needs in Surry County.

Frequently Asked Questions

Is CareFirst BlueChoice available in Surry County, Virginia?

Yes, CareFirst BlueChoice is one of the 6 health insurance carriers offering marketplace plans in Surry County for the 2026 plan year. Residents can explore their plans alongside options from other insurers.

What types of health insurance plans can I get in Surry County?

In Surry County, residents can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the Marketplace Virginia (HealthCare.gov) platform. PPO plans are available on-exchange in Virginia.

How do I know if I qualify for financial assistance in Surry County?

Eligibility for subsidies like the Premium Tax Credit and Cost-Sharing Reductions is based on household income relative to the Federal Poverty Level (FPL). You can qualify for significant savings if your income is between 100% and 400% FPL. Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and children/pregnant women up to 200% FPL.

Are there any hospitals in Surry County?

Surry County does not have any acute care hospitals within its boundaries. Residents needing acute medical care typically travel to neighboring counties within Rating Area 4, such as Newport News or Suffolk, for hospital services.