Cigna Health Insurance Plans in Surry County, Virginia

Cigna is one of 6 health insurance carriers offering plans through Marketplace Virginia in Surry County for the 2026 plan year.
Both HMO and PPO plan types are available from Cigna and other carriers on the Virginia marketplace in Surry County.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level.
Surry County, with a population of 6,549, is part of Virginia Rating Area 4, which includes 16 other counties.

Residents of Surry County, Virginia, looking for health insurance coverage can access Cigna plans through Marketplace Virginia, the state's official health insurance exchange. Cigna is a confirmed carrier for 2026 in Rating Area 4, which encompasses Surry County and many other localities in southeastern Virginia. Through the marketplace, individuals and families may qualify for significant financial assistance, known as Advanced Premium Tax Credits (APTCs), to help lower monthly premiums, depending on their household income. It's important to understand the different plan types, eligibility requirements, and enrollment periods to secure the best coverage for your needs.

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What Cigna Health Insurance Options Are Available in Surry County?

In Surry County, Cigna offers a range of health insurance plans through Marketplace Virginia, including both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) structures. Virginia is one of the states where PPO plans are available on-exchange, giving consumers more choice beyond just HMOs and Exclusive Provider Organizations (EPOs).

HMO Plans: Typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. They often have lower premiums and out-of-pocket costs if you stay within the network.
PPO Plans: Offer more flexibility, allowing you to see any provider, in-network or out-of-network, without a referral. You'll pay less if you use in-network providers, but you still have coverage for out-of-network care, usually at a higher cost.

When selecting a Cigna plan, consider your preferred doctors, hospitals, and your willingness to manage referrals. All plans available through Marketplace Virginia cover essential health benefits, including preventive care, emergency services, prescription drugs, and maternity care.

Understanding Financial Assistance and Virginia Medicaid in Surry County

Many Surry County residents qualify for financial assistance to make health insurance more affordable. This assistance comes primarily in two forms through Marketplace Virginia:

Advanced Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% FPL often qualify for these credits, and enhanced subsidies are currently available, making coverage more affordable for more people.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically offered to individuals and families with incomes up to 250% FPL.

Virginia Medicaid and FAMIS Programs

Virginia expanded its Medicaid program in 2019, meaning more adults in Surry County and across the state can qualify for comprehensive health coverage. If your household income is up to 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides extensive benefits with no monthly premiums and minimal out-of-pocket costs.

For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, providing prenatal care, labor and delivery, and 12 months of postpartum care. The Family Access to Medical Insurance Security (FAMIS) program covers uninsured children in households up to 200% FPL, with FAMIS Select offering low-cost coverage for children between 200% and 400% FPL. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Surry County

For 2026, 6 health insurance carriers offer marketplace plans in Virginia Rating Area 4, which covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, York counties. Surry County, with its population of 6,549 and an uninsured rate of 3.1% per U.S. Census Bureau ACS 2024 5-year estimates, is served by these carriers. Residents needing acute care typically travel to neighboring counties, as Surry County has no acute care hospitals within its boundaries.

The confirmed carriers for Surry County's Rating Area 4 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a variety of plans across different metal tiers (Bronze, Silver, Gold), allowing you to compare options based on premiums, deductibles, and network providers.

How to Enroll in a Cigna Plan in Surry County

The primary way to enroll in a Cigna health insurance plan in Surry County is through Marketplace Virginia. The annual Open Enrollment Period typically runs from November 1st to January 15th, with coverage starting January 1st for plans selected by December 15th.

Outside of Open Enrollment, you may qualify for a Special Enrollment Period (SEP) if you experience a Qualifying Life Event (QLE). Common QLEs include:

Losing existing health coverage (e.g., due to job loss, divorce, or aging off a parent's plan)
Getting married or divorced
Having a baby, adopting a child, or placing a child for foster care
Moving to a new area where new plans are available
Certain changes in income that affect eligibility for subsidies

If you believe you qualify for an SEP, you generally have 60 days from the date of the QLE to enroll. A licensed health insurance producer can help you determine your eligibility and navigate the enrollment process for free.

Frequently Asked Questions

Can I get Cigna health insurance through Marketplace Virginia in Surry County?

Yes, Cigna is one of 6 carriers offering plans through Marketplace Virginia (which uses the HealthCare.gov platform) in Surry County for the 2026 plan year. You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period.

What types of Cigna plans are available in Surry County, VA?

In Virginia Rating Area 4, which includes Surry County, Cigna offers both HMO and PPO plans through Marketplace Virginia. These plan types provide different levels of flexibility regarding provider networks and referrals.

How much does Cigna health insurance cost in Surry County?

The cost of Cigna plans in Surry County depends on your age, income, chosen plan tier (Bronze, Silver, Gold), and whether you qualify for subsidies. Many residents with incomes up to 400% of the Federal Poverty Level can receive tax credits to significantly lower their monthly premiums.

What is the income limit for Medicaid in Virginia?

Virginia expanded Medicaid in 2019. Adults in Surry County and across Virginia with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Virginia Medicaid (FAMIS Plus) coverage.