What are the income limits for Virginia Medicaid in Glen Allen?

Virginia expanded Medicaid in 2019, meaning adults in Glen Allen with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (FAMIS Plus). For example, a single adult earning approximately $20,783 annually or less in 2024 would typically be eligible. Pregnant women and children have higher thresholds, up to 200% FPL, for FAMIS Moms and FAMIS programs.

How many health insurance carriers offer plans in Glen Allen's rating area?

For the 2026 plan year, residents of Glen Allen, which is part of Virginia Rating Area 3, can choose from plans offered by 6 confirmed carriers on Marketplace Virginia. These carriers include CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare.

Health Insurance in Glen Allen, Virginia: Your 2026 Guide

Glen Allen residents can access health insurance through Marketplace Virginia / HealthCare.gov, with 6 carriers offering plans in Rating Area 3 for 2026.
Virginia's expanded Medicaid program (FAMIS Plus) covers adults with incomes up to 138% of the Federal Poverty Level.
Pregnant women and children in Virginia may qualify for FAMIS Moms and FAMIS, respectively, with income thresholds up to 200% FPL.
Glen Allen boasts a low uninsured rate of 2.8% and a median household income of $92,723, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Glen Allen, Virginia, for 2026 involves understanding the state's marketplace, Medicaid programs, and local carrier availability. As part of Henrico County, Glen Allen residents utilize Marketplace Virginia, which operates on the federal HealthCare.gov platform, to find subsidized health plans. Virginia is an expansion state for Medicaid, offering coverage to adults with incomes up to 138% of the Federal Poverty Level, and has robust programs for pregnant women and children. This guide provides specific details on plans, eligibility, and the local healthcare landscape to help you make informed decisions about your coverage.

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Understanding Your Health Insurance Options in Glen Allen

Residents of Glen Allen seeking individual or family health insurance primarily turn to Marketplace Virginia, the state's official health insurance exchange. This marketplace, which uses the HealthCare.gov platform, allows eligible individuals and families to apply for financial assistance in the form of premium tax credits and cost-sharing reductions. These subsidies can significantly lower monthly premiums and out-of-pocket costs, making comprehensive coverage more affordable. Virginia's marketplace offers a variety of plan types to suit different needs and preferences. Shoppers in Glen Allen can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Unlike some states, PPO plans ARE available on-exchange in Virginia, providing greater flexibility to see out-of-network providers (at a higher cost) without a referral, alongside the more structured HMO and EPO options. Plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance between monthly premiums and out-of-pocket expenses.

Virginia Medicaid and FAMIS Programs in Glen Allen

Virginia expanded its Medicaid program in 2019, significantly broadening access to no-cost or low-cost health coverage for many residents. Adults in Glen Allen with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid, known as FAMIS Plus. This means individuals earning below this threshold are eligible for comprehensive health benefits without premiums. This expansion ensures that many low-income residents who previously faced a "coverage gap" now have access to essential healthcare services. Beyond general adult coverage, Virginia also offers specialized programs for vulnerable populations:

FAMIS Moms: This program provides comprehensive Medicaid coverage for pregnant women with household incomes up to 200% FPL. Coverage includes prenatal care, labor and delivery, and an extended 12 months of postpartum care.
FAMIS (Family Access to Medical Insurance Security): This is Virginia's Children's Health Insurance Program (CHIP), covering uninsured children in households with incomes up to 200% FPL.
FAMIS Select: For children whose household incomes are between 200% and 400% FPL, FAMIS Select offers low-cost health coverage options.

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

Confirmed Health Insurance Carriers in Glen Allen

For the 2026 plan year, residents of Glen Allen have a strong selection of health insurance carriers offering plans through Marketplace Virginia. Glen Allen is located within Virginia Rating Area 3, which covers 13 counties including Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. In 2026, 6 carriers offer marketplace plans in Rating Area 3:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

These carriers provide a range of plan types and networks, allowing residents to compare options based on their healthcare needs, preferred doctors, and budget. It is important to verify specific plan availability for your exact ZIP code directly on HealthCare.gov.

Local Healthcare Landscape: Hospitals and Providers in Henrico County

Glen Allen benefits from its location in Henrico County, which provides access to a variety of healthcare facilities. Henrico County, with a population of 335,744 and a median age of 39.4 years, is served by key medical institutions. The county's uninsured rate of 6.3% is higher than Glen Allen's 2.8% but still below the national average. One prominent facility serving the area is Henrico Doctors' Hospital, an acute care hospital located in Richmond. This hospital provides a broad spectrum of medical services to residents throughout Henrico County and the surrounding Rating Area 3, which also encompasses Glen Allen. Per U.S. Census Bureau ACS 2024 5-year estimates, Glen Allen itself has a population of 17,551 and a median household income of $92,723.

Choosing the Right Plan: Next Steps for Glen Allen Residents

Deciding on the best health insurance plan in Glen Allen requires evaluating your household income, health needs, and budget.

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). Apply through commonhelp.virginia.gov to secure comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits on Marketplace Virginia. Consider Silver plans, which may also offer cost-sharing reductions if your income is below 250% FPL, reducing deductibles and copays.
If your income is above 400% FPL: You can still purchase plans through Marketplace Virginia at full price. Explore all metal tiers (Bronze, Silver, Gold, Platinum) to find a plan that balances premiums with your expected healthcare usage.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare, and navigate the application process at no cost to you.

Frequently Asked Questions

Is pregnancy a Qualifying Life Event for special enrollment in Virginia?

No, pregnancy itself is not a qualifying life event (QLE) that allows you to enroll in a special enrollment period for an ACA plan. However, the birth of a baby IS a qualifying life event, which would allow you to enroll or change your plan within 60 days of the birth. For prenatal and delivery care, pregnant women in Virginia with incomes up to 200% FPL can apply for FAMIS Moms, which provides comprehensive coverage regardless of QLE status.

What types of health insurance plans are available in Glen Allen, VA?

In Glen Allen, Virginia, marketplace plans available through Marketplace Virginia / HealthCare.gov include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. PPO plans are available on-exchange in Virginia, offering more flexibility in choosing healthcare providers.

How do subsidies work for health insurance in Virginia?

Subsidies, specifically Premium Tax Credits, are available to Glen Allen residents who purchase plans through Marketplace Virginia and have household incomes between 100% and 400% of the Federal Poverty Level (FPL). These credits reduce your monthly premium. Additionally, if your income is below 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which lower your deductibles, copayments, and out-of-pocket maximums.