Health Insurance in Chantilly, Virginia: Your 2026 Guide

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

In 2026, 6 health insurance carriers offer marketplace plans in Chantilly, serving Virginia's Rating Area 1.
Virginia Medicaid (FAMIS Plus) covers adults with household incomes up to 138% of the Federal Poverty Level.
Marketplace Virginia offers a choice of HMO, PPO, and EPO plans, with subsidies available based on income.
Chantilly's uninsured rate is 10.7%, reflecting a segment of the population that may qualify for financial assistance.

Navigating health insurance options in Chantilly, Virginia, for 2026 involves understanding both marketplace plans and state-specific programs like Virginia Medicaid. As a resident of Chantilly, you have access to a variety of health plans through Marketplace Virginia, the state-based exchange that uses the HealthCare.gov platform. These plans, offered by multiple carriers, include options for individuals and families, often with financial assistance available in the form of premium tax credits and cost-sharing reductions. Virginia also offers robust Medicaid programs for lower-income adults, pregnant women, and children, ensuring that many residents can find affordable coverage. Your specific choices and costs will depend on your household income, family size, and preferred level of coverage.

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What are your health insurance options in Chantilly, Virginia?

Chantilly residents primarily have two main avenues for securing comprehensive health insurance: the Affordable Care Act (ACA) marketplace and Virginia's Medicaid programs. The ACA marketplace is designed for individuals and families who do not receive health coverage through an employer or a government program like Medicare. Through Marketplace Virginia, you can compare plans from various private insurers and apply for subsidies to lower your monthly premiums and out-of-pocket costs. For those with lower incomes, Virginia Medicaid, including FAMIS Plus, provides comprehensive coverage without premiums or significant out-of-pocket expenses. Chantilly's uninsured rate of 10.7%, per U.S. Census Bureau ACS 2024 5-year estimates, highlights the importance of understanding these pathways to coverage.

How do ACA marketplace plans work in Chantilly?

Marketplace plans in Chantilly are offered through Marketplace Virginia, which utilizes the HealthCare.gov platform. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier indicates the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket. Bronze plans typically have the lowest premiums but highest deductibles, while Platinum plans have the highest premiums but lowest out-of-pocket costs. Financial assistance, known as subsidies, is crucial for making these plans affordable for many Chantilly households.

Premium Tax Credits (PTC): These reduce your monthly premium payment and are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These lower your deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans and are for those with incomes between 100% and 250% FPL.

Enrollment in marketplace plans typically occurs during the annual Open Enrollment Period, which runs from November 1 to January 15. However, if you experience a Qualifying Life Event (QLE), such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period (SEP) to enroll outside of this window.

Health Insurance Carriers in Chantilly

For the 2026 plan year, residents of Chantilly, which is part of Virginia's Rating Area 1, have a choice of plans from 6 confirmed health insurance carriers on Marketplace Virginia. These carriers offer a range of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, allowing you to select a plan that best fits your needs for network access and flexibility. The confirmed carriers offering marketplace plans in Chantilly's Rating Area 1 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When reviewing plans, it is important to consider not only the premium but also the plan type, deductible, copayments, coinsurance, and the out-of-pocket maximum. Also, verify that your preferred doctors and medical facilities are within the plan's network.

Chantilly's Healthcare Landscape and Virginia Medicaid

Chantilly, a community of 24,036 residents located within Fairfax County, benefits from being part of Virginia's Rating Area 1, which covers a broad region including Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. While Chantilly's uninsured rate stands at 10.7%, its parent Fairfax County reports a lower 7.1% uninsured rate, according to U.S. Census Bureau ACS 2024 5-year estimates. Residents have access to a robust healthcare network within Fairfax County, including major acute care facilities such as Inova Fairfax Hospital, Inova Fair Oaks Hospital, Reston Hospital Center, Inova Mount Vernon Hospital, and Fort Belvoir Community Hospital. For individuals and families with lower incomes, Virginia offers expanded Medicaid coverage. Virginia Medicaid (also known as FAMIS Plus) covers adults with household incomes up to 138% of the Federal Poverty Level. This expansion, adopted in 2019, means that many Chantilly residents who previously would not have qualified for assistance can now access comprehensive healthcare benefits with no monthly premiums. Additionally, Virginia provides specialized programs for vulnerable populations:

FAMIS Moms: Covers pregnant women with household incomes up to 200% FPL, offering comprehensive prenatal, delivery, and 12 months of postpartum care.
FAMIS (Family Access to Medical Insurance Security): Provides low-cost health coverage for uninsured children in families with incomes up to 200% FPL.
FAMIS Select: Offers low-cost coverage for children in families with incomes between 200% and 400% FPL.

Applications for Virginia Medicaid and FAMIS programs can be submitted online through commonhelp.virginia.gov.

Making the Right Choice for Your Health Coverage in Chantilly

Choosing the right health insurance plan in Chantilly depends on your unique financial situation and healthcare needs.

If your household income is at or below 138% FPL, explore Virginia Medicaid (FAMIS Plus) first.
If your income is between 100% and 400% FPL, you will likely qualify for significant premium tax credits on Marketplace Virginia. Consider Silver plans if your income is also below 250% FPL, as you may be eligible for valuable Cost-Sharing Reductions.
If your income is above 400% FPL, you can still purchase plans through Marketplace Virginia at full price, or explore off-marketplace options directly from carriers.

Understanding these options can be complex, and a licensed health insurance agent can provide free, personalized guidance to help you compare plans, understand subsidies, and enroll in the best coverage for you and your family in Chantilly.

Frequently Asked Questions

What are the income limits for Virginia Medicaid in Chantilly?

Adults in Chantilly may qualify for Virginia Medicaid (FAMIS Plus) if their household income is at or below 138% of the Federal Poverty Level. Pregnant women (FAMIS Moms) and children (FAMIS) can qualify with incomes up to 200% FPL.

Can I get a PPO plan on the ACA marketplace in Chantilly?

Yes, unlike some other states, PPO plans are available on the Marketplace Virginia exchange in Chantilly. You can choose from HMO, PPO, and EPO plan structures from participating carriers for 2026 coverage.

How many health insurance companies offer plans in Chantilly's marketplace?

For the 2026 plan year, 6 health insurance carriers offer marketplace plans in Chantilly's Rating Area 1. These include CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare.

When can I enroll in a health insurance plan in Chantilly?

You can enroll during the annual Open Enrollment Period, which typically runs from November 1 to January 15. If you experience a Qualifying Life Event, such as moving to Chantilly, losing other health coverage, or having a baby, you may qualify for a Special Enrollment Period outside of this timeframe.

Where can I apply for health insurance in Chantilly?

You can apply for marketplace plans through Marketplace Virginia, which uses HealthCare.gov. For Virginia Medicaid or FAMIS programs, you can apply online at commonhelp.virginia.gov. A licensed agent can also assist you with marketplace enrollment for free.