HealthKeepers Health Insurance in King and Queen County, Virginia
- HealthKeepers is one of 6 carriers offering marketplace plans in King and Queen County for 2026.
- Virginia residents in King and Queen County can choose from HMO, PPO, and EPO plan types on Marketplace Virginia.
- Individuals and families with incomes up to 400% FPL (and many above) may qualify for substantial premium subsidies.
- Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women up to 200% FPL.
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What HealthKeepers Plans Are Available in King and Queen County?
In King and Queen County, HealthKeepers offers a range of health insurance plans through Marketplace Virginia, serving residents within Virginia Rating Area 8. For 2026, residents can select from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The availability of PPO plans on-exchange in Virginia provides greater flexibility for many individuals and families, allowing them to choose plans that offer out-of-network benefits, albeit typically at a higher cost. These plans are structured into metallic tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal healthcare use. Gold and Platinum plans, conversely, feature higher monthly premiums but lower deductibles and cost-sharing, ideal for individuals or families expecting more frequent medical care. Silver plans strike a balance and are particularly advantageous for those who qualify for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and coinsurance.Understanding Your Eligibility and Subsidies in Virginia
Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus). This program offers comprehensive, low-cost or free health coverage. For pregnant women, Virginia Medicaid (FAMIS Moms) extends coverage up to 200% FPL, including prenatal care, delivery, and 12 months of postpartum care. Children in households up to 200% FPL can qualify for FAMIS (CHIP), with FAMIS Select offering low-cost options for those between 200% and 400% FPL. Applications for these programs can be submitted through commonhelp.virginia.gov. For those with incomes above Medicaid thresholds, significant financial assistance is available through Marketplace Virginia. Premium tax credits (subsidies) can substantially reduce your monthly health insurance premiums if your household income is between 100% and 400% FPL. Due to recent legislation, many individuals and families earning over 400% FPL may also qualify for subsidies if their benchmark plan premium would exceed 8.5% of their household income. These subsidies can be applied to any metallic tier plan offered by HealthKeepers or other participating carriers.| Household Size | 138% FPL (Medicaid) | 200% FPL (FAMIS/FAMIS Moms) | 400% FPL (Maximum Standard Subsidy) |
|---|---|---|---|
| 1 | $20,782 | $30,120 | $60,240 |
| 2 | $28,180 | $40,880 | $81,760 |
| 3 | $35,579 | $51,640 | $103,280 |
| 4 | $42,977 | $62,400 | $124,800 |
| Figures are approximate for 2026. Actual FPL thresholds are updated annually. | |||
Health Insurance Carriers in King and Queen County
King and Queen 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 residents of King and Queen County with a competitive selection of health insurance options. These carriers include:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in King and Queen County
Choosing the right health insurance plan, especially from a carrier like HealthKeepers, requires careful consideration of several factors. King and Queen County, with a population of 6,695 and an uninsured rate of 5.8% (per U.S. Census Bureau ACS 2024 5-year estimates), relies on a robust regional healthcare infrastructure. As King and Queen County has no acute care hospitals within its boundaries, residents typically travel to neighboring counties for acute medical services. This makes a plan's network and out-of-county coverage crucial for residents. Here’s a guide to help you decide:- Assess Your Healthcare Needs: Consider how often you visit the doctor, if you have chronic conditions, or if you anticipate major medical events. This will help you determine if a Bronze, Silver, or Gold plan is most appropriate.
- Understand Your Budget: Use the premium tax credits available through Marketplace Virginia to reduce your monthly costs. Balance these savings with potential out-of-pocket expenses like deductibles and copayments.
- Check Provider Networks: Ensure that your preferred doctors, specialists, and any hospitals you might use are in-network for the HealthKeepers plan you are considering. For King and Queen County residents, this means confirming access to facilities in adjacent counties.
- Compare Plan Types: Decide between HMO, PPO, and EPO plans based on your preference for network flexibility and referral requirements.
- Review Additional Benefits: Look for plans that include prescription drug coverage, mental health services, and other benefits important to you and your family.
Frequently Asked Questions
What types of HealthKeepers plans are available in King and Queen County, VA?
In King and Queen County, HealthKeepers offers a variety of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans through Marketplace Virginia. The specific plans and their availability can vary by year and rating area.
Can I get a subsidy for a HealthKeepers plan in King and Queen County?
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 lower your monthly costs for HealthKeepers plans purchased through Marketplace Virginia. Many individuals earning over 400% FPL may also qualify due to expanded subsidy eligibility.
What is the average cost of HealthKeepers health insurance in King and Queen County, VA?
The average cost of a HealthKeepers health insurance plan in King and Queen County depends on several factors, including your age, income, chosen plan tier (Bronze, Silver, Gold), and whether you qualify for subsidies. Without subsidies, a Bronze plan might cost $300-$500 per month, while a Gold plan could be $500-$800+. Subsidies can significantly reduce these amounts.
Does HealthKeepers cover residents in all of King and Queen County?
HealthKeepers, along with other carriers, offers plans across Virginia Rating Area 8, which includes King and Queen County. This means plans are generally available to all residents within the county's geographic boundaries, regardless of their specific town or ZIP code within the county.