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

Finding Affordable Health Insurance in Norfolk, Virginia

In 2026, 6 health insurance carriers offer plans on Marketplace Virginia (HealthCare.gov) in Norfolk's Rating Area 4.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 200% FPL.
Norfolk, with a population of 233,596, has an uninsured rate of 9.1%, per U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace shoppers in Norfolk can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plan structures.
Financial assistance through subsidies can significantly lower premiums for individuals and families earning up to 400% FPL.

Navigating health insurance options in Norfolk, Virginia, can seem complex, but understanding the available pathways and financial assistance can make it straightforward. Residents of Norfolk have several avenues for securing coverage, primarily through Marketplace Virginia (which uses the HealthCare.gov platform), Virginia Medicaid (known as FAMIS Plus), and employer-sponsored plans. For those who don't have job-based coverage, the health insurance Marketplace offers a range of plans with potential subsidies to reduce monthly premiums and out-of-pocket costs. Virginia's Medicaid expansion also provides a vital safety net for many low-income individuals and families.

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What Are Your Health Insurance Options in Norfolk?

For Norfolk residents seeking health insurance, the primary options include:

Marketplace Virginia (HealthCare.gov): This is where individuals and families can compare private health plans and apply for financial assistance. You can choose from various plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans.
Virginia Medicaid (FAMIS Plus): Virginia expanded its Medicaid program in 2019, making coverage available to adults with incomes up to 138% of the Federal Poverty Level (FPL). This program provides comprehensive health benefits at little to no cost.
FAMIS (Family Access to Medical Insurance Security): This program provides low-cost health coverage for uninsured children and pregnant women in Virginia. FAMIS covers children up to 200% FPL and pregnant women up to 200% FPL (known as FAMIS Moms).
Employer-Sponsored Plans: Many Norfolk residents receive health insurance through their employer or a family member's employer.
Private Off-Exchange Plans: You can purchase plans directly from insurance companies outside of the Marketplace, though these plans do not qualify for federal subsidies.

Understanding Marketplace Plans and Subsidies in Norfolk

Marketplace Virginia, using the HealthCare.gov platform, is designed to help individuals and families find affordable health insurance. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the percentage of healthcare costs the plan is expected to cover.

Bronze plans: Offer lower monthly premiums but higher deductibles and out-of-pocket costs. They cover 60% of costs on average.
Silver plans: A good balance of premiums and out-of-pocket costs, covering 70% of costs on average. These plans are particularly valuable for those who qualify for Cost-Sharing Reductions (CSRs), which further lower deductibles and copayments.
Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs, covering 80% of costs on average.
Platinum plans: Have the highest monthly premiums but the lowest deductibles and out-of-pocket costs, covering 90% of costs on average.

Financial assistance is crucial for making these plans affordable. Premium tax credits, or subsidies, are available to individuals and families with incomes between 100% and 400% of the FPL. These credits can be used to lower your monthly premium directly. If your income falls between 150% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs), which reduce your deductible, copayments, and out-of-pocket maximums, making Silver plans exceptionally good value. Norfolk, with a population of 233,596 and an uninsured rate of 9.1% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Virginia Rating Area 4. This rating area, which covers 17 counties including Chesapeake, Franklin, Hampton, Isle of Wight, James City, Newport News, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, and York, is served by local healthcare providers such as Sentara Norfolk General Hospital and Sentara Leigh Hospital.

Health Insurance Carriers in Norfolk

In 2026, 6 carriers offer marketplace plans in Virginia Rating Area 4, which includes Norfolk. These carriers provide a range of options across the metal tiers (Bronze, Silver, Gold, Platinum) and plan types (HMO, PPO, EPO). The confirmed carriers available to Norfolk residents on Marketplace Virginia are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When selecting a plan, it is important to verify that your preferred doctors, specialists, and hospitals are within the plan's network. Each carrier offers different networks and plan designs, so comparing these details is essential.

Norfolk Hospitals and Healthcare Providers

Access to quality healthcare facilities is a key consideration for many when choosing a health plan. Norfolk County is home to several reputable hospitals that serve the community. These institutions are vital for acute care, specialized treatments, and emergency services. The major hospitals in Norfolk County include:

Sentara Norfolk General Hospital (Norfolk)
Sentara Leigh Hospital (Norfolk)
Children's Hospital of the King's Daughters Inc (Norfolk)

These hospitals represent significant healthcare resources for residents of Norfolk and the surrounding areas. When selecting a health insurance plan, ensure that your chosen plan's network includes the hospitals and doctors you prefer to use.

Who Qualifies for Virginia Medicaid (FAMIS Plus) in Norfolk?

Virginia's Medicaid expansion has significantly broadened eligibility for low-income residents. For adults in Norfolk, Virginia Medicaid (FAMIS Plus) is available to those with incomes up to 138% of the Federal Poverty Level (FPL). This means if your income falls within this threshold, you may qualify for comprehensive health coverage 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. This includes extensive prenatal care, labor and delivery services, and 12 months of postpartum care, extended under the American Rescue Plan and adopted by Virginia. Children's coverage, through the FAMIS program, is also available for those in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage. Applications for these programs can be submitted through commonhelp.virginia.gov.

Choosing the Right Plan for Your Needs in Norfolk

Selecting the ideal health insurance plan involves evaluating your personal health needs, financial situation, and preferred healthcare providers. Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This is generally the most comprehensive and lowest-cost option. Apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits on Marketplace Virginia (HealthCare.gov). Consider a Silver plan, especially if your income is between 150% and 250% FPL, as you may also qualify for Cost-Sharing Reductions.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still find plans on Marketplace Virginia or directly from carriers. Focus on balancing premiums with deductibles and out-of-pocket maximums that fit your budget.
Consider your health needs: If you anticipate frequent doctor visits or require specific medications, a Gold or Platinum plan with lower out-of-pocket costs might be more economical in the long run, despite higher premiums. If you are generally healthy and prefer lower monthly payments, a Bronze plan could be suitable.
Check provider networks: Always confirm that your preferred doctors, specialists, and hospitals (like Sentara Norfolk General Hospital or Children's Hospital of the King's Daughters Inc) are in-network for any plan you are considering.

Frequently Asked Questions

What are the health insurance options for Norfolk residents?

Norfolk residents can access health insurance through Marketplace Virginia (HealthCare.gov), Virginia Medicaid (FAMIS Plus), employer-sponsored plans, or private off-exchange plans. Financial assistance is available for Marketplace plans based on income.

Who qualifies for Medicaid in Norfolk, Virginia?

Virginia expanded Medicaid in 2019. Adults in Norfolk with incomes up to 138% of the Federal Poverty Level (FPL) may qualify. Pregnant women and children have higher income thresholds, up to 200% FPL through FAMIS Moms and FAMIS programs, respectively.

Can I get a PPO plan on the Marketplace in Norfolk?

Yes, unlike some states, PPO plans are available on Marketplace Virginia (HealthCare.gov) in Norfolk. You can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plan structures.

How do I choose the best health insurance plan in Norfolk?

Consider your budget, preferred doctors, health needs, and prescription medications. Compare plans based on premiums, deductibles, out-of-pocket maximums, and network types (HMO, PPO, EPO). Utilizing a licensed agent can help you navigate options and apply for subsidies.

Get Your Free Quote

To explore your health insurance options in Norfolk and receive a personalized quote, connect with a licensed health insurance agent. They can help you compare plans, understand your eligibility for subsidies or Medicaid, and enroll in a plan that meets your specific needs and budget, all at no cost to you.