Health Insurance in Westmoreland County, Virginia for 2026

In 2026, residents of Westmoreland County can choose from plans offered by 6 health insurance carriers on Marketplace Virginia.
Virginia Medicaid (FAMIS Plus) covers adults with incomes up to 138% of the Federal Poverty Level (FPL).
Westmoreland County has a population of 18,826 and an uninsured rate of 8.2%, per U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace plans available in Westmoreland County include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options.
Westmoreland County has no acute care hospitals within its boundaries; residents access inpatient care in neighboring counties.

Securing affordable health insurance in Westmoreland County, Virginia, is straightforward for 2026, with multiple options available through Marketplace Virginia, also known as HealthCare.gov. Residents can compare plans from 6 confirmed carriers, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) structures, ensuring a range of choices to fit various healthcare needs and budgets. Financial assistance, such as premium tax credits and cost-sharing reductions, is available to eligible individuals and families, significantly lowering monthly premiums and out-of-pocket costs. For those with lower incomes, Virginia's expanded Medicaid program, FAMIS Plus, offers comprehensive coverage to adults earning up to 138% of the Federal Poverty Level.

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What Health Insurance Options Are Available in Westmoreland County, VA?

Residents of Westmoreland County access health insurance primarily through Marketplace Virginia (HealthCare.gov). This platform allows individuals and families to compare various plans and determine their eligibility for financial assistance. For 2026, the marketplace offers a robust selection of plan types in Westmoreland County, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means you have flexibility in how your care is structured, whether you prefer a primary care physician coordinating your care (HMO), or the ability to see out-of-network providers for a higher cost (PPO).

Beyond the marketplace, Virginia's Medicaid program, FAMIS Plus, serves as a crucial safety net for lower-income individuals. This program, expanded in 2019, provides comprehensive health coverage to adults with incomes up to 138% of the Federal Poverty Level. Separate programs, FAMIS Moms and FAMIS, offer coverage for pregnant women and children respectively, with higher income thresholds.

2026 Health Insurance Carriers in Westmoreland County

In 2026, 6 carriers offer marketplace plans in Virginia Rating Area 8, which includes Westmoreland County. These carriers provide a range of Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans to meet diverse healthcare needs. It is important to compare the specific plans, networks, and costs offered by each carrier to find the best fit for your situation. The confirmed carriers serving Westmoreland County and the broader Rating Area 8 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When selecting a plan, consider factors such as monthly premiums, deductibles, copayments, out-of-pocket maximums, and whether your preferred doctors and hospitals are in the plan's network.

Understanding Costs and Subsidies in Westmoreland County

The cost of health insurance in Westmoreland County can vary significantly based on your income, household size, age, and the plan's metal tier (Bronze, Silver, Gold, Platinum). Many Westmoreland County residents are eligible for financial assistance through Marketplace Virginia, which can substantially reduce monthly premiums and out-of-pocket expenses.

Premium Tax Credits (APTCs): These subsidies lower your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% FPL typically qualify, and under current rules, many above 400% FPL may also qualify if premiums exceed a certain percentage of their income.

Cost-Sharing Reductions (CSRs): Available only with Silver-tier plans, CSRs reduce your deductibles, copayments, and out-of-pocket maximums. You must have an income between 100% and 250% FPL to qualify for these additional savings. Choosing a Silver plan if you qualify for CSRs can provide significant financial protection.

For example, Westmoreland County's median income is $63,398 per U.S. Census Bureau ACS 2024 5-year estimates. Depending on household size, many residents may fall within the FPL ranges that qualify for significant premium tax credits and, for some, cost-sharing reductions.

Virginia Medicaid and FAMIS Programs for Westmoreland County Residents

Virginia has expanded its Medicaid program, providing critical health coverage to a broader range of residents, including those in Westmoreland County. The primary programs are:

Virginia Medicaid Expansion (FAMIS Plus): Adults aged 19-64 with incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage. This program ensures access to doctors, hospitals, prescription medications, and other essential health benefits without premiums or significant out-of-pocket costs.
FAMIS Moms: Pregnant women in Virginia can receive Medicaid coverage if their household income is up to 200% FPL. This includes full prenatal care, labor and delivery services, and extended postpartum care for 12 months after birth, a benefit adopted by Virginia under the American Rescue Plan.
FAMIS (Family Access to Medical Insurance Security): This program provides low-cost health insurance for uninsured children in families with incomes up to 200% FPL. For children in families with incomes between 200% and 400% FPL, FAMIS Select offers additional affordable coverage options.

Residents of Westmoreland County can apply for Virginia Medicaid and FAMIS programs online through commonhelp.virginia.gov or by contacting their local Department of Social Services.

Local Healthcare Landscape in Westmoreland County

Westmoreland County, with a population of 18,826 and an uninsured rate of 8.2% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Virginia Rating Area 8. This rating area covers 43 counties, including Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, and Winchester counties, in addition to Westmoreland County itself. Notably, Westmoreland County has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for inpatient medical services. Despite this, residents have access to plans from 6 carriers in Rating Area 8, offering comprehensive coverage that includes access to a network of providers across the broader region.

Next Steps to Secure Your Health Coverage

Navigating health insurance options can feel complex, but resources are available to help Westmoreland County residents make informed decisions:

Explore Marketplace Virginia: Visit HealthCare.gov to compare plans, estimate costs with subsidies, and enroll directly. This is the primary avenue for most individuals and families seeking subsidized coverage.
Check Medicaid Eligibility: If your income is below 138% FPL (or 200% FPL for pregnant women or children), explore Virginia's Medicaid and FAMIS programs through commonhelp.virginia.gov.
Consult a Licensed Agent: A local licensed health insurance producer can provide personalized, unbiased guidance. They can help you understand your options, compare plans from different carriers, and enroll in coverage—all at no cost to you. An agent can be particularly helpful if you have specific medical needs, prefer certain doctors, or need assistance understanding subsidy eligibility.

Frequently Asked Questions

Can I get PPO health insurance plans in Westmoreland County, Virginia?

Yes, residents of Westmoreland County can choose from Preferred Provider Organization (PPO) plans, as well as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, on Marketplace Virginia for 2026. PPO options are available on-exchange in Virginia, giving consumers more flexibility in choosing providers.

What is the income limit for Virginia Medicaid in Westmoreland County?

Virginia's expanded Medicaid program, known as FAMIS Plus, covers adults with incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, FAMIS Moms covers those with incomes up to 200% FPL, and children up to 200% FPL are covered by FAMIS. You can check specific income thresholds and apply through commonhelp.virginia.gov.

Does Westmoreland County have any acute care hospitals?

Westmoreland County currently has no acute care hospitals within its geographical boundaries. Residents needing inpatient medical services or emergency care are typically referred to or travel to facilities in neighboring counties within Virginia Rating Area 8.

How many health insurance carriers offer plans in Westmoreland County for 2026?

For the 2026 plan year, there are 6 health insurance carriers offering plans on Marketplace Virginia (HealthCare.gov) in Rating Area 8, which includes Westmoreland County. These carriers are CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare.