HealthKeepers Health Insurance Options in Colonial Heights, Virginia
- HealthKeepers is one of 6 carriers offering marketplace health insurance plans in Virginia Rating Area 3 for 2026.
- Marketplace Virginia (HealthCare.gov) plans from HealthKeepers include HMO, PPO, and EPO options for Colonial Heights residents.
- Virginia expanded Medicaid in 2019, meaning adults with income up to 138% FPL may qualify for coverage.
- The uninsured rate in Colonial Heights is 7.6%, reflecting a need for accessible coverage options in the city.
Get Your Free Health Insurance Quote
A licensed agent can compare coverage options for you at no cost.
You're all set!
A licensed agent will reach out shortly.
What HealthKeepers Plans Are Available in Colonial Heights?
In Colonial Heights, HealthKeepers offers a range of health insurance plans through Marketplace Virginia (HealthCare.gov). As part of Virginia Rating Area 3, which covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties, you have access to diverse plan structures. Unlike some states, Virginia's marketplace includes PPO plans, in addition to HMO and EPO options, giving consumers more flexibility in choosing their provider networks and referral requirements. HealthKeepers plans generally fall into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket:- Bronze plans: Typically cover about 60% of costs, with you paying 40%. They have lower monthly premiums but higher deductibles and out-of-pocket maximums.
- Silver plans: Cover about 70% of costs, with you paying 30%. These are often popular because eligible individuals can receive Cost-Sharing Reductions (CSRs) on Silver plans, which significantly lower deductibles, copayments, and out-of-pocket maximums.
- Gold plans: Cover about 80% of costs, with you paying 20%. They have higher monthly premiums than Bronze or Silver but lower deductibles and out-of-pocket costs when you need care.
- Platinum plans: Cover about 90% of costs, with you paying 10%. These have the highest monthly premiums but the lowest costs when you receive medical services.
Qualifying for Subsidies and Medicaid in Virginia
Many Colonial Heights residents can receive financial assistance to make HealthKeepers plans more affordable. These subsidies, known as Premium Tax Credits (PTCs), are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). The amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. For those with lower incomes, Virginia offers robust Medicaid programs. Virginia expanded Medicaid in 2019 (Virginia Medicaid Expansion / FAMIS Plus), meaning adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost health coverage. This is a significant benefit, ensuring that individuals earning between 100% and 138% FPL can access Medicaid rather than falling into a "coverage gap" as in non-expansion states. Specialized Medicaid programs are also available:- FAMIS Moms: Covers pregnant women with incomes up to 200% FPL, including prenatal care, delivery, and 12 months of postpartum care.
- FAMIS (Children's Health Insurance Program): Covers uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.
Health Insurance Carriers in Colonial Heights
For 2026, residents of Colonial Heights, Virginia, have several options for marketplace health insurance plans. In Rating Area 3, which encompasses 13 counties including Colonial Heights County, a total of 6 carriers offer plans. HealthKeepers is one of these prominent carriers, providing various plan types to meet diverse needs. The confirmed carriers offering marketplace plans in Virginia Rating Area 3 for 2026 are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in Colonial Heights
Choosing the right HealthKeepers plan or any other marketplace plan in Colonial Heights depends on your unique circumstances. Here’s a guide to help you decide:| Your Situation | Recommended Action |
|---|---|
| Household Income < 138% FPL (e.g., ~$20,120 for an individual) | Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov. This offers comprehensive, low-cost coverage. |
| Household Income 100% - 400% FPL (e.g., ~$14,580 - $58,320 for an individual) | Explore HealthKeepers Silver plans on Marketplace Virginia (HealthCare.gov). You likely qualify for significant premium tax credits and potentially Cost-Sharing Reductions. |
| Household Income > 400% FPL (e.g., > $58,320 for an individual) | Consider HealthKeepers Bronze, Silver, or Gold plans based on your expected healthcare usage. Bronze plans have lower premiums but higher out-of-pocket costs; Gold plans have higher premiums but lower out-of-pocket costs. |
| Pregnant or have children with income < 200% FPL | Check eligibility for FAMIS Moms (pregnant women) or FAMIS (children) through commonhelp.virginia.gov. |
| Seeking specific doctors or hospitals | Verify that your preferred providers are in-network for any HealthKeepers plan you consider. PPO plans typically offer more flexibility than HMOs or EPOs. |
Frequently Asked Questions
What types of HealthKeepers plans are available in Colonial Heights?
In Colonial Heights, HealthKeepers offers a range of plans through Marketplace Virginia, including HMO, PPO, and EPO options. The specific plans and their availability can vary by plan year and your exact ZIP code within Rating Area 3.
Can I get a subsidy for HealthKeepers plans in Colonial Heights?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to help reduce the cost of HealthKeepers plans purchased through Marketplace Virginia. Many individuals and families may also qualify for cost-sharing reductions, which lower out-of-pocket expenses.
How does Medicaid work in Virginia for Colonial Heights residents?
Virginia expanded Medicaid in 2019. Adults in Colonial Heights with household income up to 138% of the Federal Poverty Level may qualify for Virginia Medicaid or FAMIS Plus. Pregnant women (FAMIS Moms) and children (FAMIS) may qualify with incomes up to 200% FPL. Applications can be submitted through commonhelp.virginia.gov.
What is Virginia Rating Area 3?
Virginia Rating Area 3 is a geographic region used for setting health insurance premiums. It covers 13 counties, including Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, and Richmond. Plan availability and pricing are consistent across this entire rating area.