Health Insurance in Surry County, Virginia
- In 2026, 6 health insurance carriers offer marketplace plans in Surry County, part of Virginia Rating Area 4.
- Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
- Surry County's uninsured rate is 3.1%, significantly lower than the national average.
- Residents of Surry County travel to neighboring counties for acute care, as there are no acute care hospitals within its boundaries.
For residents of Surry County, Virginia, securing comprehensive health insurance is essential for accessing medical care and protecting against unexpected costs. The primary avenue for individual and family health insurance is Marketplace Virginia, accessible through HealthCare.gov. Here, individuals and families can explore a range of plans from multiple carriers and may qualify for significant financial assistance, known as subsidies, to reduce monthly premiums and out-of-pocket expenses. Virginia also offers robust Medicaid programs, including expanded eligibility for adults with incomes up to 138% of the Federal Poverty Level, ensuring vital coverage for many in the county.
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What Health Insurance Options Are Available in Surry County, Virginia?
Surry County residents have several pathways to obtaining health insurance, primarily through the Affordable Care Act (ACA) marketplace or Virginia's robust Medicaid programs.
Marketplace Virginia (HealthCare.gov)
The most common route for individual and family health insurance is Marketplace Virginia, which utilizes the federal platform at HealthCare.gov. This marketplace offers plans that are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each providing different levels of cost-sharing.
- Subsidies: Many Surry County residents qualify for financial assistance, including Advance Premium Tax Credits (APTCs) to lower monthly premiums and Cost-Sharing Reductions (CSRs) to reduce deductibles, copayments, and out-of-pocket maximums. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL).
- Plan Types: In Virginia, marketplace shoppers can choose from a variety of plan structures, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This provides flexibility in selecting a plan that aligns with your preferred provider network and care coordination needs.
Off-Marketplace Plans
While most individuals benefit from the subsidies available on Marketplace Virginia, some may choose to purchase plans directly from an insurer outside the marketplace. These plans are ACA-compliant but do not offer federal subsidies.
Who Qualifies for Virginia Medicaid (FAMIS Plus) in Surry County?
Virginia significantly expanded its Medicaid program in 2019, making coverage accessible to many more residents, including those in Surry County. This expansion, known as Virginia Medicaid Expansion or FAMIS Plus, provides comprehensive, low-cost health coverage for eligible individuals and families.
- Adults: Adults in Surry County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid. Unlike some states, Virginia does not have a "coverage gap" for adults in this income range.
- Pregnant Women: The FAMIS Moms program covers pregnant women with incomes up to 200% FPL, providing essential prenatal care, labor and delivery, and 12 months of postpartum care. This extended postpartum coverage was adopted by Virginia under the American Rescue Plan.
- Children: The Family Access to Medical Insurance Security (FAMIS) program covers uninsured children in households with incomes up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.
Residents can apply for Virginia Medicaid and FAMIS programs through commonhelp.virginia.gov.
Health Insurance Carriers in Surry County
In 2026, 6 carriers offer marketplace plans in Rating Area 4, which covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, York counties. Surry County residents can choose from plans offered by these confirmed local providers:
- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
When selecting a plan, it is important to review each carrier's specific offerings, network of doctors and hospitals, and prescription drug coverage to ensure it meets your individual healthcare needs.
Understanding Surry County's Healthcare Landscape
Surry County, located in Virginia's Rating Area 4, has a population of 6,549 residents, per U.S. Census Bureau ACS 2024 5-year estimates. The county's median age is 50.4 years, with a median income of $78,041. Notably, Surry County maintains a low poverty rate of 10.5% and an impressive uninsured rate of just 3.1%, significantly below both state and national averages. Despite these positive indicators, Surry County faces a unique challenge in its healthcare infrastructure: it has no acute care hospitals within its boundaries. This means that residents needing emergency services or inpatient care must travel to neighboring counties, such as those also covered by Rating Area 4, for acute medical treatment.
How to Choose the Right Health Plan in Surry County
Choosing the optimal health insurance plan involves considering several factors specific to your situation:
- Income and Subsidies: Your household income will determine your eligibility for premium tax credits and cost-sharing reductions on Marketplace Virginia. Utilize these subsidies to make coverage more affordable.
- Health Needs: If you have chronic conditions or anticipate significant medical expenses, a Gold or Silver plan with lower out-of-pocket costs might be more suitable, especially if you qualify for cost-sharing reductions on a Silver plan. For those with minimal healthcare needs, a Bronze plan offers lower premiums but higher out-of-pocket costs.
- Doctor and Hospital Networks: Verify that your preferred doctors, specialists, and any facilities you frequent are within the plan's network. This is particularly important for Surry County residents who may rely on providers in adjacent counties.
- Prescription Drugs: Check the plan's formulary to ensure your necessary prescriptions are covered and understand their cost-sharing tier.
Navigating these choices can be complex. A licensed health insurance agent can provide free, personalized guidance, helping you compare plans, understand your subsidy eligibility, and enroll in a plan that best fits your needs and budget.