HealthKeepers Health Insurance in Gloucester County, Virginia

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

In 2026, 6 carriers, including HealthKeepers, offer marketplace plans in Virginia Rating Area 8, which includes Gloucester County.
Virginia residents with incomes between 100% and 400% FPL may qualify for significant subsidies on HealthKeepers plans through Marketplace Virginia.
HealthKeepers offers HMO, PPO, and EPO plan types on-exchange in Gloucester County, providing flexibility in provider choice.
Virginia Medicaid (FAMIS Plus) covers adults with income up to 138% FPL, offering comprehensive, low-cost coverage.

Navigating health insurance options in Gloucester County, Virginia, can feel complex, but HealthKeepers offers a range of plans designed to meet diverse needs. As one of the leading carriers in the region, HealthKeepers provides coverage through Marketplace Virginia, ensuring access to essential health benefits under the Affordable Care Act (ACA). Whether you're seeking individual, family, or small business coverage, understanding your options, including available subsidies and plan types like HMOs, PPOs, and EPOs, is key to making an informed decision about your healthcare in Gloucester County.

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What HealthKeepers Plans Are Available in Gloucester County?

In Gloucester County, HealthKeepers participates in Marketplace Virginia, offering a variety of health insurance plans for the 2026 plan year. These plans are structured as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Unlike some states, Virginia's marketplace includes PPO options, giving residents more flexibility in choosing healthcare providers both in-network and, for PPOs, potentially out-of-network at a higher cost. When selecting a HealthKeepers plan, it is important to consider the balance between monthly premiums, deductibles, and the scope of network access that best suits your healthcare needs and budget.

How to Qualify for Subsidies on HealthKeepers Plans in Virginia

Many residents of Gloucester County may qualify for financial assistance to reduce the cost of HealthKeepers plans purchased through Marketplace Virginia. These subsidies come in two main forms: premium tax credits and cost-sharing reductions.

Premium Tax Credits (PTC): These credits lower your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Virginia, if your income is between 100% and 400% FPL, you will likely qualify for a PTC. For a single individual, 100% FPL is approximately $15,060, while 400% FPL is approximately $60,240 for 2024 (these figures adjust annually).

Cost-Sharing Reductions (CSR): These subsidies reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for those with incomes up to 250% FPL. Combining a Silver plan with CSRs can significantly lower your total healthcare expenses, making comprehensive coverage more affordable.

To determine your exact eligibility and the amount of assistance you could receive, it is recommended to apply through Marketplace Virginia.

Health Insurance Carriers in Gloucester County

Gloucester County is part of Virginia Rating Area 8, which covers Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, Westmoreland, Winchester counties. In 2026, 6 carriers offer marketplace plans in Rating Area 8, providing a competitive selection for residents. These carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

This diverse range of carriers ensures that residents have multiple options to compare plans, networks, and prices to find coverage that best fits their individual or family needs.

Understanding Virginia Medicaid and FAMIS Programs

Virginia expanded Medicaid in 2019, significantly broadening access to affordable healthcare for many residents of Gloucester County. If your household income is below 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides comprehensive health coverage with no monthly premiums, deductibles, or copayments for eligible adults. For families, Virginia offers additional programs:

FAMIS Moms: Covers pregnant women with incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care.
FAMIS (Family Access to Medical Insurance Security): Provides low-cost health coverage for uninsured children in households with incomes up to 200% FPL.
FAMIS Select: Offers low-cost coverage for children in families with incomes between 200% and 400% FPL.

Applications for these programs can be submitted online through commonhelp.virginia.gov.

Making Your Health Insurance Decision in Gloucester County

Gloucester County, with a population of 39,526 and an uninsured rate of 4.9% (per U.S. Census Bureau ACS 2024 5-year estimates), offers various pathways to health coverage. The local healthcare landscape includes Riverside Walter Reed Hospital, an acute care facility in Gloucester, which serves the county's median age of 44.8 years. When considering HealthKeepers or any other plan, assess your income and healthcare needs carefully. Here's a guide to help you decide:

If your income is below 138% FPL: Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov. You will likely qualify for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: Explore HealthKeepers plans and other options on Marketplace Virginia. You are likely eligible for premium tax credits, and potentially cost-sharing reductions if you choose a Silver plan.
If your income is above 400% FPL: You can still purchase HealthKeepers plans through Marketplace Virginia or directly from the carrier. Focus on comparing plan benefits, deductibles, and network coverage.

A licensed health insurance agent can provide personalized guidance, help you compare HealthKeepers plans with other carriers, and assist with enrollment, all at no cost to you.

Frequently Asked Questions

What types of HealthKeepers plans are available in Gloucester County?

In Gloucester County, HealthKeepers offers a variety of plan types, including HMO, PPO, and EPO options through Marketplace Virginia. These plans provide different levels of flexibility for choosing doctors and hospitals, both within and outside their networks.

Can I get a subsidy for HealthKeepers plans in Gloucester 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 to lower the cost of HealthKeepers plans purchased through Marketplace Virginia. Many individuals and families qualify for significant savings.

Does HealthKeepers cover Riverside Walter Reed Hospital in Gloucester County?

HealthKeepers plans typically include a broad network of providers and facilities. To confirm specific coverage for Riverside Walter Reed Hospital in Gloucester, it is essential to check the network details of your chosen HealthKeepers plan or contact a licensed agent for verification.

What if my income is too low for an ACA subsidy in Virginia?

Virginia expanded Medicaid in 2019. If your income is below 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive health coverage with no premiums or deductibles. Applications can be submitted through commonhelp.virginia.gov.