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

Health Insurance in Richmond County, Virginia

Navigating health insurance options in Richmond County, Virginia, can seem complex, but understanding the local marketplace simplifies the process. Residents of Richmond County, which is part of Virginia Rating Area 3, have access to a variety of health plans through Marketplace Virginia, the state's health insurance exchange that utilizes the HealthCare.gov platform. In 2026, six carriers offer plans in this area, including a mix of Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. Financial assistance, such as premium tax credits and cost-sharing reductions, is widely available to make coverage more affordable, especially for those with incomes up to 400% of the Federal Poverty Level. For lower-income residents, Virginia's expanded Medicaid program, FAMIS Plus, offers comprehensive coverage.

What Health Insurance Options Are Available in Richmond County, Virginia?

Residents of Richmond County have several pathways to obtaining health insurance coverage, primarily through Marketplace Virginia, which operates on the federal HealthCare.gov platform. This marketplace is the place to find plans that comply with the Affordable Care Act (ACA) and qualify for federal subsidies.

Marketplace Virginia Plans and Subsidies

Marketplace Virginia offers a range of plan types to meet diverse needs and budgets. Unlike some states, Virginia provides a choice of HMO, PPO, and EPO plans on-exchange. This means Richmond County shoppers can select plans with varying degrees of provider network flexibility:

• HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the plan's network and get referrals for specialists.
• PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see out-of-network providers for a higher cost, and usually does not require a PCP referral for specialists.
• EPO (Exclusive Provider Organization): Similar to an HMO in that it generally only covers care from providers in its network, but you typically don't need a referral to see a specialist within that network.

To make these plans affordable, federal subsidies are available based on income. Premium tax credits can lower your monthly premiums, and cost-sharing reductions (CSRs) can reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. Eligibility for these subsidies extends to individuals and families with incomes up to 400% of the Federal Poverty Level (FPL).

Virginia Medicaid (FAMIS Plus and FAMIS Moms)

Virginia expanded its Medicaid program in 2019, extending eligibility to more low-income adults. If your income is up to 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid, known as FAMIS Plus. This program provides comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs.

Additionally, Virginia offers specific Medicaid programs for pregnant women and children:

• FAMIS Moms: Covers pregnant women with income up to 200% FPL. This includes prenatal care, labor and delivery, and 12 months of postpartum care.
• FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households with incomes up to 200% FPL. For children in families earning between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.

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

Health Insurance Carriers in Richmond County

In 2026, six carriers offer marketplace plans in Virginia Rating Area 3, which covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. These carriers provide a range of plan options for residents of Richmond County. When choosing a plan, it is essential to compare not only premiums but also network size, deductible amounts, and out-of-pocket maximums.

The confirmed carriers for Richmond County's Rating Area 3 in 2026 include:

• CareFirst BlueChoice
• Cigna
• HealthKeepers
• Oscar Health
• Sentara Health Plans
• United Healthcare

Each carrier offers various plans across different metal tiers (Bronze, Silver, Gold, Platinum), allowing consumers to select coverage that best fits their healthcare needs and financial situation. It's recommended to verify plan availability for your specific ZIP code directly on HealthCare.gov.

Local Hospitals Serving Richmond County Residents

While Richmond County has a population of 9,095 and an uninsured rate of 5.2% (per U.S. Census Bureau ACS 2024 5-year estimates), residents needing acute care typically access services in nearby urban centers, particularly Richmond City. The county is part of Virginia Rating Area 3, which is served by a range of providers in the broader region. The proximity to larger medical facilities ensures that comprehensive healthcare is accessible.

Major hospitals providing acute care services in the broader Richmond area, accessible to Richmond County residents, include:

• Medical College of Virginia Hospitals (Richmond)
• Bon Secours St. Mary's Hospital (Richmond)
• Bon Secours Richmond Community Hospital (Richmond)
• CJW Medical Center (Richmond)

When selecting a health insurance plan, it is important to confirm that your preferred doctors and hospitals are within the plan's network, especially for HMO and EPO plans which have more restricted networks.

Choosing the Right Health Plan for Your Needs in Richmond County

Selecting the ideal health insurance plan depends on your income, health needs, and budget. Richmond County, with its median income of $66,304 (per U.S. Census Bureau ACS 2024 5-year estimates), offers a variety of options that can be tailored to individual circumstances.

For those who anticipate frequent doctor visits or need prescription medications, a Gold or Silver plan with a lower deductible might be more cost-effective in the long run, even with higher monthly premiums. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan with a Health Savings Account (HSA) option could be a suitable choice.

Richmond County, Virginia, is part of Rating Area 3, which covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. This multi-county rating area indicates that plan pricing and availability are consistent across these localities. With a population of 9,095 and a median age of 43.8 years, Richmond County's demographic profile influences the types of health plans that are most commonly sought by its residents.

Navigating these choices can be daunting. A licensed health insurance agent can provide personalized, unbiased advice at no cost to you. They can help you compare plans, verify doctor networks, and determine your eligibility for financial assistance, ensuring you select a plan that truly meets your needs.

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