Cigna Health Insurance Plans in Hampton, Virginia
- Cigna offers both HMO and PPO plans on Marketplace Virginia for residents of Hampton and Rating Area 4 in 2026.
- Hampton is part of Virginia Rating Area 4, which includes 17 counties, ensuring consistent base plan pricing across the region.
- Virginia Medicaid (FAMIS Plus) expanded in 2019, covering adults with incomes up to 138% of the Federal Poverty Level.
- The uninsured rate in Hampton is 7.0%, significantly lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Cigna Health Plans are Available in Hampton?
Cigna offers a variety of health insurance plans on Marketplace Virginia, designed to meet different budget and coverage needs for Hampton residents. For 2026, Cigna provides both HMO and PPO plan structures. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while PPO plans offer more flexibility to see out-of-network providers, often at a higher cost. All plans cover essential health benefits as mandated by the Affordable Care Act (ACA), including emergency services, hospitalization, prescription drugs, and maternity care. Hampton is located in Virginia Rating Area 4, which means that the base rates for Cigna plans are consistent across a broad region. This rating area covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, and York counties.Understanding Plan Tiers and Subsidies
Health insurance plans on Marketplace Virginia are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket:- Bronze plans: Cover approximately 60% of costs, with you paying 40%. They have lower monthly premiums but higher deductibles and out-of-pocket maximums.
- Silver plans: Cover approximately 70% of costs, with you paying 30%. These are the only plans eligible for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and coinsurance for those who qualify.
- Gold plans: Cover approximately 80% of costs, with you paying 20%. They have higher monthly premiums but lower deductibles and out-of-pocket costs when you receive care.
Health Insurance Carriers in Hampton
In 2026, 6 carriers offer marketplace plans in Rating Area 4, which includes Hampton. These carriers provide a range of options for residents seeking individual and family health insurance:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Enrolling in a Cigna Plan in Hampton
The annual Open Enrollment Period (OEP) is the primary time to enroll in or change a Cigna health insurance plan through Marketplace Virginia. This period typically runs from November 1st to January 15th each year. If you miss OEP, you may still be able to enroll if you experience a Qualifying Life Event (QLE), such as losing other coverage, getting married, having a baby, or moving to Hampton.Virginia offers expanded Medicaid coverage (Virginia Medicaid Expansion / FAMIS Plus) for adults with incomes up to 138% of the Federal Poverty Level, which was adopted in 2019. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including 12 months of postpartum care. Children in households up to 200% FPL can qualify for FAMIS (Family Access to Medical Insurance Security), with FAMIS Select providing low-cost coverage for those between 200% and 400% FPL.
Hampton, Virginia, with a population of 137,557 and an uninsured rate of 7.0% per U.S. Census Bureau ACS 2024 5-year estimates, offers various pathways to coverage. Residents can explore Cigna's offerings alongside other carriers in Rating Area 4, which spans 17 distinct counties, ensuring comprehensive choices.
Frequently Asked Questions
What types of Cigna plans are available in Hampton, Virginia?
In Hampton, Virginia, Cigna offers both HMO and PPO health insurance plans through Marketplace Virginia for the 2026 plan year. These plans are available in Rating Area 4, which includes Hampton and 16 other surrounding counties.
Can I get a subsidy for a Cigna plan in Hampton?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advanced Premium Tax Credits (APTCs) to lower your monthly Cigna premium. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% FPL, reducing out-of-pocket costs on Silver plans.
Does Cigna work with Sentara Careplex Hospital in Hampton?
Many Cigna plans in Hampton, Virginia, include network access to major local providers. For Cigna plans specifically, it is essential to verify network participation for Sentara Careplex Hospital directly with Cigna or through the plan's provider directory to ensure your preferred doctors and facilities are covered.
What is Rating Area 4 in Virginia?
Hampton is located in Virginia Rating Area 4, which is a multi-county region for health insurance pricing. This rating area covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, and York counties. All marketplace plans in this area, including Cigna's, use the same base rates.