HealthKeepers Health Insurance in Floyd County, Virginia
- HealthKeepers is one of 6 carriers offering marketplace plans in Floyd County's Rating Area 5 for 2026.
- Floyd County residents with incomes between 100% and 400% FPL may qualify for subsidies on HealthKeepers plans via Marketplace Virginia.
- Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women up to 200% FPL, providing a crucial safety net.
- Floyd County has no acute care hospitals, meaning residents must travel to neighboring counties for emergency and inpatient services.
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What HealthKeepers Plans Are Available in Floyd County for 2026?
In 2026, HealthKeepers is one of 6 carriers offering health insurance plans through Marketplace Virginia (which uses HealthCare.gov) in 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. HealthKeepers offers a variety of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. These plans vary in their network structure, flexibility to see specialists, and out-of-pocket costs. When choosing a HealthKeepers plan, you will typically find options categorized by "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: Cover approximately 60% of costs, with you paying 40%. These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums.
- Silver plans: Cover approximately 70% of costs, with you paying 30%. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions (CSRs), which can further lower your deductibles, copayments, and out-of-pocket maximums if you qualify based on income.
- Gold plans: Cover approximately 80% of costs, with you paying 20%. These plans have higher monthly premiums than Bronze or Silver but lower deductibles and out-of-pocket maximums.
How Federal Subsidies Make HealthKeepers Plans Affordable
For many residents of Floyd County, the full price of a health insurance premium can be a barrier. Fortunately, federal subsidies are available through Marketplace Virginia to make coverage more affordable. These subsidies come in two main forms:- Premium Tax Credits (PTCs): These credits reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). If your income falls between 100% and 400% FPL, you are likely eligible for PTCs. For example, a single individual earning $30,000 (around 200% FPL) or a family of four earning $80,000 (around 275% FPL) would likely qualify for significant premium assistance.
- Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are designed for individuals and families with incomes up to 250% FPL. Combining CSRs with PTCs on a Silver plan can offer the best value for many moderate-income households.
Understanding Virginia Medicaid and FAMIS in Floyd County
Virginia expanded Medicaid in 2019, which means more adults in Floyd County now have access to comprehensive, low-cost health coverage. If your household income is at or below 138% of the Federal Poverty Level (FPL), you may qualify for Virginia Medicaid, also known as FAMIS Plus. This program provides extensive benefits with no monthly premiums and minimal out-of-pocket costs. For pregnant women, Virginia Medicaid (FAMIS Moms) offers coverage up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children in families with incomes up to 200% FPL can qualify for FAMIS (Family Access to Medical Insurance Security) for uninsured children. For children in households between 200% and 400% FPL, FAMIS Select provides low-cost coverage options. You can apply for these programs through commonhelp.virginia.gov.Health Insurance Carriers in Floyd County
In 2026, 6 carriers offer marketplace plans in Rating Area 5, which includes Floyd County. While this article focuses on HealthKeepers, it is important to be aware of all your options to ensure you find the best plan for your needs. The confirmed carriers for Floyd County's Rating Area 5 are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in Floyd County
Choosing the right health insurance plan in Floyd County involves evaluating your healthcare needs, financial situation, and the available options from carriers like HealthKeepers. Here’s a summary of key considerations:| Your Situation | Recommended Action | Key Benefit |
|---|---|---|
| Income < 138% FPL (Adults) | Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov. | Comprehensive coverage with no premiums and minimal costs. |
| Income 100%–400% FPL | Explore HealthKeepers and other carrier plans on Marketplace Virginia (HealthCare.gov) for premium tax credits. | Reduced monthly premiums, making private plans affordable. |
| Income 100%–250% FPL | Prioritize Silver-tier plans from HealthKeepers or other carriers on Marketplace Virginia to maximize Cost-Sharing Reductions. | Lower deductibles, copayments, and out-of-pocket maximums. |
| High expected healthcare use | Consider Gold or lower-deductible Silver plans from HealthKeepers. | Predictable costs with lower out-of-pocket expenses when you need care. |
| Low expected healthcare use | Consider Bronze plans from HealthKeepers or other carriers for lower monthly premiums. | Lower upfront costs, suitable for those who rarely visit the doctor. |
Frequently Asked Questions
What types of HealthKeepers plans are available in Floyd County?
In Floyd County, HealthKeepers offers a variety of plan types through Marketplace Virginia, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific plan options depend on your ZIP code within Rating Area 5.
Can I get a HealthKeepers plan with a subsidy in Floyd County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions when enrolling in a HealthKeepers plan through Marketplace Virginia. These subsidies can significantly lower your monthly premiums and out-of-pocket costs.
How does income affect my eligibility for HealthKeepers or Virginia Medicaid?
For adults in Virginia, if your income is at or below 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive, low-cost health coverage. If your income is above 138% FPL, you are likely eligible for subsidies to help pay for a HealthKeepers or another marketplace plan through Marketplace Virginia.
Are there hospitals in Floyd County that accept HealthKeepers insurance?
Floyd County does not have any acute care hospitals within its boundaries. Residents typically travel to neighboring counties for hospital services. HealthKeepers plans have networks that include providers and facilities in nearby areas, but it's crucial to verify specific provider acceptance for any plan you consider.
What is Rating Area 5, and how does it affect my plan choices?
Floyd County is part of Virginia's Rating Area 5, which is a multi-county area also covering Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe counties. All carriers offering plans in Rating Area 5 must offer the same plans and prices to all residents within that area, ensuring consistent options regardless of your specific town within these counties.