HealthKeepers Health Insurance in Carroll County, Virginia

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

HealthKeepers is one of 6 health insurance carriers offering plans on the Marketplace Virginia in Carroll County for the 2026 plan year.
Virginia's marketplace offers a choice of HMO, PPO, and EPO plans, including PPO options from HealthKeepers.
Individuals in Carroll County with incomes between 100% and 400% of the Federal Poverty Level may qualify for significant subsidies.
Virginia expanded Medicaid, providing coverage for adults with incomes up to 138% FPL, and pregnant women up to 200% FPL.

Navigating health insurance options in Carroll County, Virginia, can feel complex, but understanding your choices, especially with a prominent carrier like HealthKeepers, is straightforward. HealthKeepers offers a range of plans through the Marketplace Virginia (also known as HealthCare.gov), providing residents with access to subsidized coverage. Whether you're seeking individual, family, or small business plans, HealthKeepers provides options that align with various budgets and healthcare needs, including both HMO and PPO structures.

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What HealthKeepers Plans Are Available in Carroll County?

In Carroll County, HealthKeepers is a key provider of health insurance plans available on the Marketplace Virginia. For the 2026 plan year, residents can choose from a selection of HealthKeepers plans, alongside those from five other confirmed carriers. Unlike some states, Virginia's marketplace includes a variety of plan types, with HealthKeepers offering both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) options, as well as Exclusive Provider Organization (EPO) plans. This means consumers have flexibility in choosing a plan structure that best suits their preferences for network access and cost-sharing. HealthKeepers plans generally fall into metal tiers: Bronze, Silver, Gold, and Platinum, each designed with different cost-sharing structures. Bronze plans typically have lower monthly premiums and higher deductibles, suitable for those who anticipate fewer medical needs. Silver plans offer a balance of premiums and out-of-pocket costs, and are particularly valuable for individuals who qualify for cost-sharing reductions. Gold and Platinum plans feature higher premiums but lower deductibles and out-of-pocket maximums, ideal for those who expect frequent medical care.

Understanding Health Insurance Costs and Subsidies in Carroll County

The cost of HealthKeepers health insurance in Carroll County, like all plans on the Marketplace Virginia, can be significantly reduced by financial assistance. The Affordable Care Act (ACA) provides premium tax credits and cost-sharing reductions to eligible individuals and families.

Federal Poverty Level (FPL) Range	Potential Financial Assistance
Below 138% FPL	May qualify for Virginia Medicaid (FAMIS Plus)
100% - 150% FPL	Significant premium tax credits and strongest cost-sharing reductions (Enhanced Silver plans)
151% - 200% FPL	Strong premium tax credits and robust cost-sharing reductions (Enhanced Silver plans)
201% - 250% FPL	Substantial premium tax credits and moderate cost-sharing reductions (Enhanced Silver plans)
251% - 400% FPL	Premium tax credits available, reducing monthly costs
Above 400% FPL	Eligible for full-price plans; no premium tax credits but can enroll during Open Enrollment

Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage through Virginia Medicaid or FAMIS Plus. This is a crucial safety net for many residents. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including 12 months of postpartum care. Children in households up to 200% FPL may qualify for FAMIS (Family Access to Medical Insurance Security) for uninsured children.

Health Insurance Carriers in Carroll County

Carroll County is part of Virginia Rating Area 5, which covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, Wythe counties. In 2026, 6 carriers offer marketplace plans in Rating Area 5, providing residents with a competitive selection of options. The confirmed carriers for Carroll County's Rating Area 5 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Carroll County, with a population of 29,157 and an uninsured rate of 9.0% per U.S. Census Bureau ACS 2024 5-year estimates, relies on these carriers to provide essential health coverage. While the county itself has no acute care hospitals within its boundaries, residents needing acute medical care typically travel to neighboring counties within Rating Area 5 for hospital services.

Choosing the Right HealthKeepers Plan for You

When selecting a HealthKeepers plan in Carroll County, consider your healthcare needs, budget, and preferred access to doctors and specialists.

If you prioritize lower monthly premiums: A Bronze plan from HealthKeepers may be suitable, but be prepared for higher out-of-pocket costs if you need significant medical care.
If you qualify for subsidies: Silver plans are often the best value, as they unlock both premium tax credits and cost-sharing reductions, significantly lowering deductibles, copayments, and out-of-pocket maximums.
If you have a preferred doctor or hospital: Check if your providers are in-network with HealthKeepers' HMO or PPO plans. PPO plans generally offer more flexibility to see out-of-network providers at a higher cost.
If your income is below 138% FPL: Apply for Virginia Medicaid through commonhelp.virginia.gov. This will likely provide the most comprehensive and affordable coverage.

A licensed health insurance producer can help you compare HealthKeepers plans, determine your eligibility for subsidies, and guide you through the enrollment process on the Marketplace Virginia, all at no cost to you.

Frequently Asked Questions

Is HealthKeepers available on the Marketplace Virginia in Carroll County?

Yes, HealthKeepers is one of 6 carriers offering plans on the Marketplace Virginia in Rating Area 5, which includes Carroll County, for the 2026 plan year.

What types of plans does HealthKeepers offer in Carroll County?

HealthKeepers offers both HMO and PPO plans on the Marketplace Virginia in Carroll County. Virginia's marketplace includes a choice of HMO, PPO, and EPO plan structures.

Can I get financial help to pay for a HealthKeepers plan?

Yes, individuals and families in Carroll County with incomes between 100% and 400% of the Federal Poverty Level may qualify for premium tax credits and cost-sharing reductions, which can significantly lower the cost of HealthKeepers plans. Virginia expanded Medicaid, which covers adults up to 138% FPL.

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

You can enroll in a HealthKeepers plan through the Marketplace Virginia via HealthCare.gov during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event like marriage, birth, or loss of other coverage.