What types of health plans are available in Centreville, Virginia?

In Centreville, 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 through Marketplace Virginia, offering more flexibility in choosing providers outside a specific network.

Can I get help paying for health insurance in Centreville?

Yes, many Centreville residents qualify for financial assistance to lower their monthly premiums (Advance Premium Tax Credits) and out-of-pocket costs (Cost-Sharing Reductions). Eligibility is based on household income and size, and applications are processed through Marketplace Virginia (HealthCare.gov). Virginia also expanded Medicaid in 2019, covering adults with income up to 138% of the Federal Poverty Level.

How do I apply for health insurance in Centreville, Virginia?

Centreville residents can apply for health insurance through Marketplace Virginia, which uses the federal platform at HealthCare.gov. You can create an account, provide income and household information, and compare plans. If you qualify for Virginia Medicaid or FAMIS Plus, you can apply through commonhelp.virginia.gov.

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

Health Insurance Options in Centreville, Virginia

Centreville residents can choose from HMO, PPO, and EPO health plans through Marketplace Virginia, the state's exchange.
In 2026, 6 confirmed carriers, including CareFirst BlueChoice and Cigna, offer plans in Rating Area 1, which includes Centreville.
Virginia Medicaid (FAMIS Plus) covers adults with incomes up to 138% of the Federal Poverty Level, expanded in 2019.
Financial assistance for marketplace plans, such as Advance Premium Tax Credits, is available to many Centreville households.

Navigating health insurance options in Centreville, Virginia, involves understanding your choices through Marketplace Virginia (which uses HealthCare.gov), eligibility for financial assistance, and local provider networks. For 2026, residents of Centreville can access a range of plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) structures, with PPO plans notably available on-exchange in Virginia. Many individuals and families qualify for subsidies to significantly reduce their monthly premiums and out-of-pocket costs, making coverage more affordable. Additionally, Virginia's expanded Medicaid program offers comprehensive coverage for lower-income adults, pregnant women, and children.

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Understanding Your Health Insurance Options in Centreville

Centreville, Virginia, is part of a dynamic healthcare market where residents have several pathways to secure health coverage. The primary avenue for individual and family plans is through Marketplace Virginia, the state-based marketplace that utilizes the federal HealthCare.gov platform. Through this exchange, you can compare plans from multiple carriers, check your eligibility for financial assistance, and enroll during the annual Open Enrollment Period or a Special Enrollment Period if you experience a qualifying life event. Unlike some states, Virginia offers a full spectrum of plan types on-exchange, including HMO, PPO, and EPO options. This means Centreville shoppers have greater flexibility to choose a plan that aligns with their preferred provider access and cost structure. Financial assistance, such as Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), is crucial for making coverage affordable. APTCs reduce your monthly premium, while CSRs lower your deductibles, copayments, and out-of-pocket maximums for those who enroll in Silver-tier plans and meet specific income thresholds.

Virginia Medicaid and FAMIS Plus in Centreville

Virginia expanded its Medicaid program in 2019, significantly broadening access to healthcare for lower-income residents, including those in Centreville. Under Virginia Medicaid Expansion, also known as FAMIS Plus, adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage. This means that if your income falls within this range, you may qualify for Medicaid, which typically comes with no premiums and minimal out-of-pocket costs. Beyond adult expansion, Virginia also offers specialized Medicaid programs for vulnerable populations. Pregnant women in Centreville with incomes up to 200% FPL can qualify for Virginia Medicaid (FAMIS Moms), which provides comprehensive prenatal care, labor and delivery services, and 12 months of postpartum care. For uninsured children, the Family Access to Medical Insurance Security (FAMIS) program covers those in households up to 200% FPL, with FAMIS Select offering low-cost options for children between 200% and 400% FPL. Applications for these programs can be submitted through commonhelp.virginia.gov.

Local Health Insurance Carriers in Centreville's Rating Area 1

For 2026, Centreville residents seeking individual and family health insurance through Marketplace Virginia have a robust selection of carriers. In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. These carriers provide a variety of plan options across different metal tiers (Bronze, Silver, Gold, and Platinum), allowing consumers to choose based on their healthcare needs and budget. The confirmed carriers available in Centreville's Rating Area 1 for the 2026 plan year include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When selecting a plan, it is important to verify that your preferred doctors and hospitals are in-network with the chosen carrier. You can do this by checking the carrier's provider directory or by contacting your healthcare providers directly.

Hospitals and Healthcare Providers Serving Centreville Residents

Centreville residents have access to a wide array of healthcare services through the hospitals and medical centers located within Fairfax County. The county is home to several major facilities that provide acute care, emergency services, and specialized treatments. These institutions are vital to the health and well-being of Centreville's population of 71,706 and the larger Fairfax County population of 1,147,837 (per U.S. Census Bureau ACS 2024 5-year estimates). Hospitals in Fairfax County include:

Fort Belvoir Community Hospital (Fort Belvoir)
Inova Fairfax Hospital (Falls Church)
Inova Fair Oaks Hospital (Fairfax)
Reston Hospital Center (Reston)
Inova Mount Vernon Hospital (Alexandria)

Major health systems like Inova Health System operate multiple facilities, ensuring comprehensive coverage across the region. When choosing a health insurance plan, it is important to consider which hospitals and doctors are included in the plan's network to ensure convenient access to care. Centreville, Virginia, with a population of 71,706 and a median income of $139,510, is part of Virginia Rating Area 1, which covers 18 counties and is served by 6 confirmed carriers for 2026. Residents in this area also benefit from access to major healthcare facilities like Inova Fairfax Hospital in nearby Falls Church.

Making the Right Health Plan Decision in Centreville

Choosing the right health insurance plan in Centreville depends on your unique financial situation, health needs, and preferences for doctors and hospitals. Here’s a general guide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which offers comprehensive, low-cost coverage. You can apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are likely eligible for Advance Premium Tax Credits (subsidies) through Marketplace Virginia. These credits can significantly reduce your monthly premiums. If your income is below 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs) when you select a Silver-tier plan, lowering your out-of-pocket costs.
If your income is above 400% FPL: While you may not qualify for subsidies, you can still find comprehensive plans through Marketplace Virginia. Consider different metal tiers (Bronze for lower premiums/higher deductibles, Gold for higher premiums/lower deductibles) to find a balance that suits your budget and expected healthcare usage.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that meets your specific needs at no extra cost to you.

Frequently Asked Questions

What is Marketplace Virginia?

Marketplace Virginia is Virginia's state-based health insurance exchange, which uses the federal HealthCare.gov platform. It's where individuals and families in Centreville can shop for private health insurance plans, compare options, and apply for financial assistance like subsidies (Advance Premium Tax Credits and Cost-Sharing Reductions).

Are PPO plans available on the marketplace in Centreville, VA?

Yes, PPO (Preferred Provider Organization) plans are available on-exchange through Marketplace Virginia for Centreville residents. This means you can choose a PPO plan and potentially receive financial assistance to help pay for it, offering more flexibility in choosing healthcare providers compared to HMO or EPO plans.

What is the uninsured rate in Centreville?

According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Centreville, Virginia, is 7.2%. This figure is similar to the uninsured rate for the broader Fairfax County, which stands at 7.1%.

How can I get help applying for health insurance in Centreville?

You can get free, unbiased assistance from a licensed health insurance producer. These professionals are knowledgeable about all plans available on Marketplace Virginia, can help you understand your subsidy eligibility, and guide you through the enrollment process to ensure you find the best plan for your needs.