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

HealthKeepers Health Insurance Plans in Centreville, Virginia

HealthKeepers offers both HMO and PPO plans on Marketplace Virginia for Centreville residents in 2026.
Centreville is part of Virginia Rating Area 1, which has 6 carriers offering plans for the 2026 plan year.
Individuals and families with incomes between 100% and 400% of the Federal Poverty Level may qualify for significant subsidies.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL and pregnant women up to 200% FPL.

Navigating health insurance options in Centreville, Virginia, involves understanding both your coverage needs and the specific plans available in your area. For 2026, HealthKeepers is one of the carriers offering a variety of plans through Marketplace Virginia, serving residents in Centreville and the broader Fairfax County region. These plans include both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) structures, providing choices for different preferences regarding network flexibility and cost. If you're looking for HealthKeepers coverage, it's essential to compare their offerings against other local carriers and determine your eligibility for financial assistance, such as premium tax credits, which can significantly reduce your monthly costs.

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What HealthKeepers Plans Are Available in Centreville, Virginia?

HealthKeepers provides a range of health insurance plans on Marketplace Virginia, including both HMO and PPO options. HealthKeepers HMO plans typically require you to choose a primary care provider (PCP) within their network and obtain referrals for specialist visits. This structure can lead to lower out-of-pocket costs if you stay within the network. HealthKeepers PPO plans, on the other hand, offer more flexibility, allowing you to see out-of-network providers, though usually at a higher cost share. Both plan types cover essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services. When selecting a plan, consider your preferred provider network, anticipated medical needs, and budget. Centreville, located in Fairfax County, is part of Virginia Rating Area 1. In 2026, 6 carriers offer marketplace plans in Rating Area 1, giving residents a choice of coverage options. The uninsured rate in Centreville is 7.2%, according to U.S. Census Bureau ACS 2024 5-year estimates, indicating that a notable portion of the population could benefit from exploring these options.

Understanding Your Eligibility for Financial Assistance

Many Centreville residents can significantly reduce the cost of HealthKeepers plans through financial assistance available via Marketplace Virginia. These subsidies come primarily in the form of Advanced Premium Tax Credits (APTCs), which lower your monthly premiums, and Cost-Sharing Reductions (CSRs), which reduce your out-of-pocket expenses like deductibles, copayments, and coinsurance. Eligibility for APTCs is generally available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). CSRs are specifically tied to Silver-tier plans and are available to those with incomes up to 250% FPL. For example, an individual in Centreville earning up to approximately $60,000 annually might qualify for substantial premium tax credits. For those with lower incomes, Virginia has expanded its Medicaid program. Adults with household incomes up to 138% FPL may qualify for Virginia Medicaid, also known as FAMIS Plus, which provides comprehensive coverage with little to no cost. Pregnant women in Virginia can qualify for Medicaid (FAMIS Moms) with incomes up to 200% FPL, covering prenatal care, delivery, and 12 months of postpartum care. Children in families with incomes up to 200% FPL are eligible for FAMIS (CHIP), and those between 200% and 400% FPL may qualify for low-cost FAMIS Select. Applications for these programs can be submitted through commonhelp.virginia.gov.

Health Insurance Carriers in Centreville

Centreville, Virginia, falls within Virginia Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, Warren counties. For the 2026 plan year, residents in this rating area have access to plans from 6 confirmed carriers on Marketplace Virginia. HealthKeepers is one of the prominent options, alongside a diverse group of other insurers. The confirmed local carriers offering marketplace plans in Rating Area 1 for 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When exploring HealthKeepers plans, it's beneficial to compare them with offerings from these other carriers to find the best fit for your specific healthcare needs and financial situation. Each carrier offers different plan designs, provider networks, and price points across the Bronze, Silver, Gold, and Platinum metal tiers.

HealthKeepers Network and Local Healthcare Providers

HealthKeepers plans utilize a network of doctors, specialists, clinics, and hospitals. For Centreville residents, this network typically includes healthcare providers within Fairfax County. Fairfax County is home to 5 acute care hospitals, offering a wide range of medical services. These include Inova Fairfax Hospital in Falls Church, Inova Fair Oaks Hospital in Fairfax, and Reston Hospital Center in Reston. Fort Belvoir Community Hospital in Fort Belvoir and Inova Mount Vernon Hospital in Alexandria also serve the county. When considering a HealthKeepers plan, it's important to verify that your preferred doctors and any hospitals you frequent are included in the plan's network to ensure your care is covered at the in-network rate. Centreville, with a population of 71,706 and a median household income of $139,510 per U.S. Census Bureau ACS 2024 5-year estimates, is a vibrant community within Fairfax County. Fairfax County itself has a population of 1,147,837 and a median household income of $153,637. This highly populated area benefits from extensive healthcare infrastructure, which HealthKeepers plans integrate into their service offerings.

Making the Right Choice for Your Health Coverage

Choosing the right HealthKeepers plan or any other health insurance plan in Centreville requires careful consideration of several factors:

Your Income: If your income is below 138% FPL, you likely qualify for Virginia Medicaid. Between 100% and 400% FPL, you're eligible for premium tax credits.
Your Healthcare Needs: If you anticipate frequent doctor visits or have chronic conditions, 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.
Your Preferred Providers: Ensure that your current doctors and preferred hospitals, such as Inova Fairfax Hospital or Reston Hospital Center, are in the network of any plan you consider.
Plan Type: Decide whether an HMO, PPO, or EPO plan best fits your need for network flexibility versus cost savings. HealthKeepers offers both HMO and PPO options in Centreville.

A licensed health insurance producer can provide personalized guidance, help you compare HealthKeepers plans with other carriers, calculate your potential subsidies, and assist with the enrollment process, all at no cost to you.

Frequently Asked Questions

What types of HealthKeepers plans are available in Centreville, Virginia?

In Centreville, HealthKeepers offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans through Marketplace Virginia. HMO plans require you to choose a primary care provider within their network and get referrals for specialists, while PPO plans offer more flexibility to see out-of-network providers for a higher cost.

Can I get a subsidy for HealthKeepers plans in Centreville?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advanced Premium Tax Credits (APTCs) to lower your monthly premiums. Individuals with income below 138% FPL may qualify for Virginia Medicaid (FAMIS Plus) instead. You can apply for subsidies through Marketplace Virginia (HealthCare.gov).

Do HealthKeepers plans cover hospitals in Fairfax County?

HealthKeepers plans generally include a network of hospitals and providers in Fairfax County, where Centreville is located. Major hospitals in the county include Inova Fairfax Hospital, Inova Fair Oaks Hospital, and Reston Hospital Center. It's important to verify that specific providers and facilities you use are in-network for your chosen HealthKeepers plan.

Is pregnancy a qualifying life event for a HealthKeepers plan in Centreville?

No, pregnancy itself is not a qualifying life event (QLE) for a Special Enrollment Period (SEP) to enroll in a new health plan. However, the birth of a baby is a QLE, allowing you to enroll or change plans within 60 days of the birth. If you are pregnant and uninsured, Virginia Medicaid (FAMIS Moms) covers pregnant women up to 200% FPL and can be applied for anytime.

What is Virginia Rating Area 1?

Virginia Rating Area 1 is a geographic region used by the state's health insurance marketplace to determine plan pricing. Centreville is part of this rating area, which also covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. All carriers offering plans in Rating Area 1 must offer the same premiums for the same plan to all residents within this area.