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

HealthKeepers Health Insurance in Highland County, VA

In 2026, HealthKeepers is one of 6 carriers offering marketplace plans in Virginia Rating Area 5, which includes Highland County.
Virginia residents can choose from HMO, PPO, and EPO plan types on Marketplace Virginia (HealthCare.gov).
Individuals and families with incomes between 100% and 400% FPL may qualify for significant premium subsidies.
Highland County has a population of 2,296 and an uninsured rate of 3.9%, per U.S. Census Bureau ACS 2024 5-year estimates.
Adults with income up to 138% FPL in Virginia may qualify for Virginia Medicaid (FAMIS Plus).

Navigating health insurance options in Highland County, Virginia, involves understanding both state-specific programs and the plans available through Marketplace Virginia. HealthKeepers is a prominent carrier in the region, offering a range of plans designed to meet diverse needs. For 2026, HealthKeepers is one of six confirmed carriers providing health insurance coverage on the marketplace in Virginia Rating Area 5, which serves Highland County and 18 other counties. Whether you're seeking individual, family, or small business coverage, understanding your options, eligibility for financial assistance, and local healthcare landscape is crucial to making an informed decision.

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What Health Insurance Plans Are Available in Highland County, VA?

Residents of Highland County have access to a variety of health insurance plans through Marketplace Virginia, the state-based marketplace that utilizes the federal platform (HealthCare.gov). For 2026, you can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Unlike some states, PPO plans are available on-exchange in Virginia, giving consumers more flexibility in provider choice. HealthKeepers, along with other carriers, offers plans across different metal tiers—Bronze, Silver, Gold, and Platinum—each designed with varying levels of coverage and out-of-pocket costs.

Understanding Metal Tiers and Subsidies

The metal tiers help you compare plans based on how you and your plan split costs:

Bronze: Lowest monthly premiums, but highest deductibles and out-of-pocket maximums. Best for those who expect to use healthcare services infrequently.
Silver: Moderate premiums and deductibles. Silver plans are unique because they are the only plans eligible for Cost-Sharing Reductions (CSRs) if your income is below 250% of the Federal Poverty Level. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans a strong value for many.
Gold: Higher monthly premiums, but lower deductibles and out-of-pocket maximums. Ideal for those who expect to use healthcare services regularly and prefer more predictable costs.
Platinum: Highest premiums, but very low deductibles and out-of-pocket maximums. Provides the most comprehensive coverage for those who want minimal out-of-pocket expenses.

Financial assistance is available to make these plans more affordable. Advance Premium Tax Credits (APTCs) can lower your monthly premium if your household income is between 100% and 400% of the Federal Poverty Level. These subsidies are paid directly to your insurer, reducing your upfront costs.

HealthKeepers and Other Marketplace Carriers in Highland County

In 2026, 6 carriers offer marketplace plans in Virginia 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 is a key provider among these options. When considering HealthKeepers or any other carrier, it's important to compare their specific plan benefits, provider networks, and costs against your personal healthcare needs. The confirmed carriers for Virginia Rating Area 5 for the 2026 plan year are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a variety of plan types and metal tiers. You can explore their specific offerings for your ZIP code on HealthCare.gov.

Virginia Medicaid and FAMIS Programs for Highland County Residents

Virginia expanded its Medicaid program in 2019, meaning more adults in Highland County may qualify for comprehensive health coverage. Virginia Medicaid Expansion, also known as FAMIS Plus, is available to adults with household incomes up to 138% of the Federal Poverty Level. This program provides extensive benefits with no monthly premiums. Additionally, Virginia offers robust programs for pregnant women and children:

FAMIS Moms: Covers pregnant women with household incomes up to 200% FPL. This includes 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 up to 200% FPL. For children in families between 200% and 400% FPL, FAMIS Select offers affordable options.

You can apply for Virginia Medicaid and FAMIS programs through commonhelp.virginia.gov. It's crucial to explore these options if your income qualifies, as they can provide significant financial relief and access to necessary medical care.

Healthcare Resources in Highland County, VA

Highland County, with a population of 2,296 and a median age of 56.5 years, is one of Virginia's most rural counties. Per U.S. Census Bureau ACS 2024 5-year estimates, the county has a poverty rate of 9.5% and an uninsured rate of 3.9%. Highland County has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for emergency and inpatient medical services. When selecting a HealthKeepers plan, or any other plan, it is important to verify that your preferred doctors and any anticipated specialists are within the plan's network, especially given the need to travel for acute care.

Making Your Health Insurance Decision in Highland County

Choosing the right health insurance plan for yourself or your family in Highland County requires careful consideration of your income, health needs, and preferred providers. Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This is generally the most affordable and comprehensive option. Apply through commonhelp.virginia.gov.
If your income is between 100% and 250% FPL: You will likely qualify for significant premium tax credits and Cost-Sharing Reductions (CSRs). Consider a Silver plan, as CSRs make these plans much more valuable by reducing your out-of-pocket costs.
If your income is between 250% and 400% FPL: You will still qualify for premium tax credits. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage and preference for lower monthly premiums versus lower out-of-pocket costs.
If your income is above 400% FPL: You will not qualify for federal subsidies but can still purchase plans through Marketplace Virginia. Compare all available metal tiers from carriers like HealthKeepers, Cigna, and United Healthcare to find the best fit for your budget and needs.

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

Frequently Asked Questions

What types of HealthKeepers plans are available in Highland County, VA?

In Highland 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 plans and their availability can vary, so it's always best to check HealthCare.gov directly for the most current options in your ZIP code.

Can I get subsidies for HealthKeepers plans in Highland County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Additionally, those with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which reduce out-of-pocket costs like deductibles and copayments. You can apply for these through Marketplace Virginia.

Does HealthKeepers offer PPO plans on the Virginia marketplace?

Yes, in Virginia, PPO plans are available on-exchange through Marketplace Virginia, including options from HealthKeepers Plus PPO, Cigna, and United Healthcare. This means residents of Highland County can choose from HMO, PPO, and EPO structures when shopping for subsidized health insurance.

How does Virginia Medicaid (FAMIS Plus) work in Highland County?

Virginia expanded Medicaid in 2019 (known as Virginia Medicaid Expansion or FAMIS Plus). Adults in Highland County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage. Pregnant women can qualify up to 200% FPL, and children through FAMIS also up to 200% FPL. Applications can be submitted via commonhelp.virginia.gov.