HealthKeepers Health Insurance Plans in Campbell County, VA
- HealthKeepers is one of 6 carriers offering health insurance plans on Marketplace Virginia in Campbell County's Rating Area 8 for 2026.
- Virginia Marketplace plans include HMO, PPO, and EPO options, with PPO plans available from HealthKeepers Plus.
- Individuals with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (FAMIS Plus).
- Campbell County has a population of 55,312 and an uninsured rate of 4.7%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What HealthKeepers Plans Are Available in Campbell County?
HealthKeepers, an Anthem company, is a prominent carrier offering health insurance plans in Campbell County through Marketplace Virginia. For the 2026 plan year, HealthKeepers provides both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plan structures. HealthKeepers HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists. The HealthKeepers Plus PPO plans offer more flexibility, allowing you to see out-of-network providers, often at a higher cost, without a referral. This variety ensures that residents can select a plan that aligns with their preferred level of network flexibility and care coordination.Campbell County, with a population of 55,312, is part of Virginia Rating Area 8, which covers 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, Westmoreland, Winchester counties. The county has an uninsured rate of 4.7% and a median income of $66,165, according to U.S. Census Bureau ACS 2024 5-year estimates. While Campbell County itself does not have acute care hospitals within its boundaries, residents typically travel to neighboring counties for hospital services.
How to Qualify for Financial Assistance in Campbell County
Many Campbell County residents can significantly reduce their health insurance costs through financial assistance programs available via Marketplace Virginia. These subsidies are designed to make health coverage more accessible and affordable.Premium Tax Credits
If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits. These credits directly lower your monthly health insurance premiums. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.Cost-Sharing Reductions (CSRs)
For individuals with incomes up to 250% FPL, choosing a Silver-tier plan on Marketplace Virginia can unlock Cost-Sharing Reductions. These subsidies reduce your out-of-pocket expenses, such as deductibles, copayments, and coinsurance, making healthcare more affordable when you use it.Virginia Medicaid (FAMIS Plus)
Virginia expanded its Medicaid program in 2019. Adults in Campbell County with household incomes up to 138% of the FPL may qualify for Virginia Medicaid, also known as FAMIS Plus. This program provides comprehensive health coverage with little to no out-of-pocket costs. Unlike non-expansion states, Virginia does not have a "coverage gap" for those below 100% FPL.Medicaid for Pregnant Women and Children (FAMIS Moms and FAMIS)
Pregnant women in Virginia with incomes up to 200% FPL can receive comprehensive coverage through Virginia Medicaid (FAMIS Moms), which includes prenatal care, labor, delivery, and 12 months of postpartum care. Children in households with incomes up to 200% FPL may qualify for FAMIS (Family Access to Medical Insurance Security). For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options. Applications for these programs can be submitted through commonhelp.virginia.gov.Health Insurance Carriers in Campbell County
In 2026, 6 carriers offer marketplace plans in Virginia Rating Area 8, which includes Campbell County. This robust competition provides residents with a variety of choices across different plan types and price points. It is important to compare plans from all available carriers to find the coverage that best meets your needs and budget. The confirmed local carriers for Campbell County's Rating Area 8 are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Choosing Your HealthKeepers Plan in Campbell County
When selecting a HealthKeepers plan in Campbell County, consider your healthcare needs, budget, and preferred provider network.- If you prioritize lower monthly premiums and are comfortable with a defined network: An HMO plan from HealthKeepers might be a cost-effective choice. You'll typically need to select a primary care provider and get referrals for specialists.
- If you value flexibility and the option to see out-of-network providers: A HealthKeepers Plus PPO plan could be a better fit, offering broader access, though often with higher premiums or out-of-pocket costs for out-of-network care.
- If your income is below 138% FPL: Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov for comprehensive, low-cost coverage.
- If your income qualifies for subsidies: Explore Silver plans, especially if your income is below 250% FPL, to take advantage of Cost-Sharing Reductions in addition to premium tax credits. Bronze plans offer lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs.
Frequently Asked Questions
What types of HealthKeepers plans are available in Campbell County?
In Campbell County, HealthKeepers offers both HMO and PPO plans on the Marketplace Virginia. PPO plans provide more flexibility to see out-of-network providers, while HMOs typically require referrals for specialists.
Can I get a subsidy for HealthKeepers plans in Campbell County, VA?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for HealthKeepers plans purchased through Marketplace Virginia. Those below 138% FPL may qualify for Virginia Medicaid.
Is HealthKeepers part of the Anthem network?
Yes, HealthKeepers is an Anthem company. Plans offered by HealthKeepers in Virginia leverage the Anthem network of providers, offering access to a wide range of doctors and hospitals within their service area.
What is Virginia Rating Area 8?
Virginia Rating Area 8 is a geographic region used to set health insurance premiums, ensuring that residents in the same area pay similar rates for similar plans. Campbell County is part of Rating Area 8, which includes 42 other counties and independent cities in Virginia.