Can I get HealthKeepers plans on the Marketplace Virginia?

Yes, HealthKeepers is one of 6 confirmed carriers offering plans on the Marketplace Virginia (HealthCare.gov) for residents of Augusta County in Rating Area 7 for the 2026 plan year. You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period.

What types of plans does HealthKeepers offer in Augusta County?

In Virginia, HealthKeepers typically offers a range of plan types, including HMOs, EPOs, and PPOs. Marketplace Virginia shoppers in Augusta County have access to all three plan structures, allowing you to choose based on your preference for network flexibility and cost.

What income qualifies for subsidies for HealthKeepers plans in Augusta County?

Individuals and families in Augusta County with household incomes between 100% and 400% of the Federal Poverty Level (FPL) typically qualify for premium tax credits (subsidies) to lower the cost of HealthKeepers plans on Marketplace Virginia. Those below 138% FPL may qualify for Virginia Medicaid (FAMIS Plus).

How do I enroll in a HealthKeepers plan in Augusta County?

You can enroll in a HealthKeepers plan during the annual Open Enrollment Period through Marketplace Virginia (HealthCare.gov). If you experience a qualifying life event like marriage, birth, or loss of other coverage, you may be eligible for a Special Enrollment Period. A licensed agent can provide free, personalized assistance with plan selection and enrollment.

HealthKeepers Health Insurance Options in Augusta County, Virginia

HealthKeepers is one of 6 carriers offering plans in Augusta County's Rating Area 7 through Marketplace Virginia for 2026.
Augusta County residents can choose from HMO, PPO, and EPO plan types, with PPOs available on-exchange.
Individuals with incomes between 100% and 400% FPL may qualify for subsidies to reduce HealthKeepers plan costs.
Virginia expanded Medicaid in 2019, covering adults up to 138% FPL through Virginia Medicaid (FAMIS Plus).

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

For residents of Augusta County, Virginia, HealthKeepers offers a variety of health insurance plans available through Marketplace Virginia (HealthCare.gov). As a prominent carrier in Rating Area 7, HealthKeepers provides options that can be tailored to different budgets and healthcare needs, including HMO, PPO, and EPO structures. Understanding how these plans fit into the broader Virginia marketplace, including potential subsidies and eligibility requirements, is crucial for making an informed decision about your coverage.

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What HealthKeepers Plans Are Available in Augusta County?

In Augusta County, HealthKeepers participates in Rating Area 7, which also covers Buena Vista, Harrisonburg, Lexington, Page, Rockbridge, Rockingham, Shenandoah, Staunton, and Waynesboro counties. For the 2026 plan year, residents have access to various HealthKeepers plans through Marketplace Virginia, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Preferred Provider Organization (PPO) options. Unlike some states, Virginia's marketplace includes PPO plans, offering greater flexibility in choosing providers without a referral for out-of-network care (though often at a higher cost).

HealthKeepers plans generally fall into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan covers versus your out-of-pocket responsibility:

Bronze Plans: Cover approximately 60% of costs. These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are best for those who anticipate minimal healthcare needs or want protection against catastrophic events.
Silver Plans: Cover approximately 70% of costs. Silver plans are a popular choice, especially for individuals and families who qualify for Cost-Sharing Reductions (CSRs). CSRs can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a strong value for eligible enrollees.
Gold Plans: Cover approximately 80% of costs. These plans have higher monthly premiums than Bronze or Silver but lower deductibles and out-of-pocket maximums, making them suitable for those who expect to use healthcare services regularly.

Understanding Subsidies and Affordability in Augusta County

Many Augusta County residents can significantly reduce the cost of HealthKeepers plans through financial assistance available via Marketplace Virginia. These subsidies, known as premium tax credits, are designed to make health insurance more affordable for individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). The amount of your subsidy depends on your household income, household size, and the cost of the benchmark Silver plan in your area.

For example, a single individual in Augusta County earning $30,000 (around 200% FPL) would likely qualify for substantial premium tax credits, reducing their monthly premium for a HealthKeepers plan. Those with incomes closer to 100% FPL might find their monthly premiums reduced to very low amounts, sometimes even $0 for a Bronze plan.

Virginia expanded Medicaid in 2019 (Virginia Medicaid Expansion / FAMIS Plus), meaning adults with incomes up to 138% FPL may qualify for comprehensive, low-cost or no-cost health coverage. This is a critical safety net, ensuring that residents who fall below the subsidy threshold for marketplace plans still have access to care. Pregnant women in Virginia (FAMIS Moms) can qualify for Medicaid with incomes up to 200% FPL, and children (FAMIS) up to 200% FPL, with FAMIS Select offering low-cost options for children up to 400% FPL.

Health Insurance Carriers in Augusta County

Augusta County, part of Virginia Rating Area 7, offers residents a robust selection of health insurance carriers on Marketplace Virginia. In 2026, 6 carriers offer marketplace plans in Rating Area 7, ensuring competitive choices for individuals and families seeking coverage. These carriers provide a range of plan types, including HMO, PPO, and EPO options, allowing consumers to select the network and cost structure that best fits their needs.

The confirmed carriers offering plans in Augusta County's Rating Area 7 for 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When comparing plans, it is important to consider not just the premium, but also the deductible, copayments, coinsurance, and the plan's network of doctors and hospitals. Augusta Health in Fishersville serves as a key acute care facility for many residents in the county, and confirming its inclusion in your chosen plan's network is often a priority.

Augusta County, with a population of 78,033 and a median income of $82,049, maintains a relatively low poverty rate of 6.6% and an uninsured rate of 6.6%, according to U.S. Census Bureau ACS 2024 5-year estimates. The county's primary acute care facility is Augusta Health in Fishersville. Residents in this area benefit from a competitive insurance market within Rating Area 7, which also covers Buena Vista, Harrisonburg, Lexington, Page, Rockbridge, Rockingham, Shenandoah, Staunton, and Waynesboro counties.

Making Your Health Insurance Decision in Augusta County

Choosing the right HealthKeepers plan or any other marketplace plan in Augusta County involves evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a quick guide to help you:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive coverage with minimal or no costs. Apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits (subsidies) on Marketplace Virginia. Consider a Silver plan, especially if your income is closer to the lower end of this range, as you may also qualify for Cost-Sharing Reductions that lower out-of-pocket costs.
If your income is above 400% FPL: You can still purchase HealthKeepers plans through Marketplace Virginia, though you won't receive premium tax credits. You may also explore off-marketplace plans, but these do not offer subsidies.

A licensed health insurance agent can provide invaluable, free assistance in navigating these options, comparing HealthKeepers plans alongside other carriers, and helping you enroll in the coverage that best suits your specific situation.

Frequently Asked Questions

Can I keep my current doctors with a HealthKeepers plan?

Whether you can keep your current doctors depends on the specific HealthKeepers plan you choose and your doctors' participation in its network. HMO plans typically have more restricted networks, while PPO plans offer more flexibility, including out-of-network options (often at a higher cost). Always verify your preferred providers are in-network before enrolling.

What is the Open Enrollment Period for HealthKeepers plans in Virginia?

The Open Enrollment Period is the annual window when most people can enroll in or change health insurance plans through Marketplace Virginia (HealthCare.gov). Exact dates vary each year but typically run from November 1 to January 15 for coverage starting the following year. Outside of this period, you need a Special Enrollment Period to enroll.

How does HealthKeepers compare to other carriers in Augusta County?

HealthKeepers is one of 6 carriers in Augusta County's Rating Area 7. Comparisons should focus on specific plan details such as premiums, deductibles, copayments, drug formularies, and provider networks. While HealthKeepers is a well-established carrier, other options like CareFirst BlueChoice, Cigna, and United Healthcare also offer diverse plans, making direct comparison essential for finding the best fit.