HealthKeepers Health Insurance in Craig County, Virginia
- HealthKeepers is one of 6 health insurance carriers offering plans on Marketplace Virginia / HealthCare.gov in Craig County for 2026.
- Craig County is part of Virginia Rating Area 5, which includes 18 other counties.
- Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level.
- Marketplace Virginia offers HMO, PPO, and EPO plan types, with subsidies available for those earning up to 400% FPL.
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What HealthKeepers Plans Are Available in Craig County?
HealthKeepers is a prominent carrier offering health insurance plans in Craig County, Virginia, through the state's official marketplace, Marketplace Virginia (which uses HealthCare.gov). As part of Rating Area 5, which covers Craig County and 18 other counties including Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe, residents have access to a variety of HealthKeepers plans. In Virginia, marketplace shoppers can choose from different plan types, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). HealthKeepers typically offers plans across various metal tiers—Bronze, Silver, and Gold—each designed with different levels of cost-sharing and monthly premiums to suit diverse financial and medical needs. Bronze plans generally have lower premiums but higher out-of-pocket costs, while Gold plans offer higher premiums for lower deductibles and copayments. Silver plans are a popular choice, especially for those who qualify for cost-sharing reductions, which enhance the plan's value by lowering deductibles, copays, and out-of-pocket maximums.Understanding Marketplace Subsidies in Virginia
Financial assistance is a key component of making health insurance accessible. In Virginia, subsidies are available to help eligible individuals and families lower their monthly premiums and out-of-pocket expenses.| Federal Poverty Level (FPL) | Assistance Type | Details |
|---|---|---|
| Below 138% FPL | Virginia Medicaid / FAMIS Plus | Comprehensive, low-cost health coverage. Virginia expanded Medicaid in 2019. |
| 100% - 400% FPL | Premium Tax Credits | Reduces monthly premium costs for plans purchased on Marketplace Virginia / HealthCare.gov. |
| 100% - 250% FPL | Cost-Sharing Reductions (CSRs) | Available with Silver plans, lowers deductibles, copayments, and out-of-pocket maximums. |
Health Insurance Carriers in Craig County
In 2026, 6 carriers offer marketplace plans in Rating Area 5, which serves Craig County. This ensures a competitive market with a range of options for residents. The confirmed carriers for this region are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Healthcare Resources in Craig County
Craig County, with a population of 4,856 and a median age of 46.3 years, faces unique healthcare access challenges. The county has no acute care hospitals within its boundaries, meaning residents often need to travel to neighboring counties for emergency services and inpatient care. Despite this, the uninsured rate in Craig County is relatively low at 3.1%, per U.S. Census Bureau ACS 2024 5-year estimates, indicating that a high percentage of residents have some form of health coverage. This coverage is often facilitated through the Marketplace Virginia / HealthCare.gov and Virginia's expanded Medicaid program. For those needing primary care or specialized services, it is crucial to understand the provider networks of your chosen HealthKeepers plan. HMO plans typically require you to choose a primary care provider within the network and get referrals for specialists, while PPO plans offer more flexibility to see out-of-network providers at a higher cost.Virginia Medicaid and FAMIS Programs
Virginia expanded Medicaid in 2019, extending eligibility to adults with incomes up to 138% of the Federal Poverty Level (FPL). This program, known as Virginia Medicaid Expansion or FAMIS Plus, provides comprehensive health coverage for eligible residents in Craig County. Additionally, Virginia offers specific programs for pregnant women and children:- Virginia Medicaid (FAMIS Moms): Covers pregnant women with incomes up to 200% FPL, including prenatal care, labor, delivery, and 12 months of postpartum care. Applications can be submitted through commonhelp.virginia.gov.
- FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.
Choosing the Right HealthKeepers Plan in Craig County
Selecting the best HealthKeepers plan, or any plan, involves considering your health needs, financial situation, and preferred doctors.| Your Situation | Recommended Action | Key Considerations |
|---|---|---|
| Income below 138% FPL | Apply for Virginia Medicaid | You likely qualify for comprehensive, low-cost coverage. Apply via commonhelp.virginia.gov. |
| Income 100% - 250% FPL | Explore Silver plans with Cost-Sharing Reductions (CSRs) | CSRs significantly reduce your out-of-pocket costs (deductibles, copays, out-of-pocket maximums) on Silver plans. |
| Income 250% - 400% FPL | Compare Bronze, Silver, and Gold plans with Premium Tax Credits | Premium tax credits will lower your monthly premiums. Choose a metal tier based on your expected healthcare usage. |
| High expected medical costs | Consider Gold plans or Silver with CSRs | Gold plans have higher premiums but lower out-of-pocket costs. Silver plans with CSRs can offer similar value if eligible. |
| Low expected medical costs | Consider Bronze plans or High Deductible Health Plans (HDHPs) | Lower premiums in exchange for higher deductibles. Suitable if you primarily want catastrophic coverage. |
Frequently Asked Questions
Is Craig County considered a rural area for health insurance purposes?
Yes, Craig County is one of Virginia's most rural counties, with a population of 4,856. This rural classification can sometimes influence the number of available plans or provider networks, though Craig County is part of Rating Area 5 which has 6 carriers.
Can I get a PPO plan from HealthKeepers in Craig County?
Yes, PPO plans are available on-exchange in Virginia, including options from HealthKeepers Plus PPO. Marketplace shoppers in Craig County can choose from HMO, PPO, and EPO plan structures.
What is the uninsured rate in Craig County?
According to U.S. Census Bureau ACS 2024 5-year estimates, Craig County has an uninsured rate of 3.1%, which is lower than the national average and indicates a high level of health coverage among its residents.