HealthKeepers Health Insurance Plans in Lee County, Virginia
- In 2026, six health insurance carriers, including HealthKeepers, offer marketplace plans in Virginia Rating Area 6, which covers Lee County.
- Virginia Medicaid (FAMIS Plus) is available for adults with incomes up to 138% of the Federal Poverty Level (FPL), or approximately $20,783 for an individual.
- Marketplace Virginia offers a choice of HMO, PPO, and EPO plan types in Lee County, allowing residents to find a plan that fits their network preferences.
- Lee County has a population of 21,900 and an uninsured rate of 7.0%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What HealthKeepers Plans Are Available in Lee County, Virginia?
HealthKeepers is a prominent health insurance carrier offering plans in Lee County as part of Virginia Rating Area 6. For the 2026 plan year, HealthKeepers provides a selection of health plans through Marketplace Virginia, including both HMO and PPO options. This means residents can choose plans with different network structures and referral requirements to best suit their healthcare preferences. HealthKeepers typically offers plans across the metal tiers—Bronze, Silver, and Gold—allowing individuals and families to balance monthly premiums with out-of-pocket costs. Bronze plans generally have lower premiums and higher deductibles, while Gold plans have higher premiums but lower out-of-pocket expenses. Silver plans offer a middle ground and are eligible for Cost-Sharing Reductions (CSRs) for those who qualify.Understanding Your Health Insurance Options in Lee County
Lee County residents have access to a variety of health insurance options through Marketplace Virginia, which uses the HealthCare.gov federal platform. In 2026, six carriers offer marketplace plans in Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, Wise counties. These carriers include CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare. This broad selection ensures competitive choices for consumers. Virginia is a Medicaid expansion state, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (FAMIS Plus). This program provides comprehensive health coverage with no premiums or deductibles. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, and the FAMIS (Family Access to Medical Insurance Security) program covers uninsured children up to 200% FPL, with FAMIS Select available for children up to 400% FPL. These programs are crucial safety nets for many Lee County families. Lee County, with a population of 21,900 and a median income of $41,827 per U.S. Census Bureau ACS 2024 5-year estimates, has an uninsured rate of 7.0%. Despite having no acute care hospitals within its boundaries, residents needing hospital services can access facilities in neighboring counties within Rating Area 6. The availability of multiple carriers and plan types, including HMO, PPO, and EPO options, helps ensure that residents can find suitable coverage.Financial Assistance for HealthKeepers Plans in Lee County
Many Lee County residents may qualify for financial assistance to help reduce the cost of HealthKeepers plans, as well as plans from other carriers. Premium Tax Credits (PTCs) are available to lower monthly premiums for individuals and families with incomes between 100% and 400% of the Federal Poverty Level. For example, a household of four earning up to approximately $124,800 in 2026 could qualify for premium subsidies. In addition to PTCs, individuals and families with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) when they enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making healthcare more affordable when you need it. It is essential to choose a Silver plan to receive these enhanced benefits, as CSRs are only applied to plans in this metal tier. 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 Lee County
In 2026, six carriers offer marketplace plans in Virginia Rating Area 6, which includes Lee County. This ensures a competitive market and a variety of choices for residents seeking health coverage. The confirmed local carriers for this rating area are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Choosing the Right HealthKeepers Plan in Lee County
Selecting the right HealthKeepers plan, or any other plan, in Lee County depends on your specific healthcare needs, financial situation, and preferences. Consider the following factors:- Budget: If your priority is a low monthly premium, a Bronze plan might be suitable, though it will have higher out-of-pocket costs when you use services. If you anticipate frequent medical needs, a Gold plan with higher premiums but lower deductibles and copays might save you money in the long run.
- Doctor Network: HealthKeepers offers both HMO and PPO plans. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. PPO plans offer more flexibility to see out-of-network providers, often at a higher cost, and generally do not require referrals.
- Financial Assistance: If your income qualifies you for Premium Tax Credits or Cost-Sharing Reductions, a Silver plan is often the best value, as it can significantly reduce both your monthly premiums and your out-of-pocket costs.
- Prescription Drug Coverage: Review the formulary (list of covered drugs) for any plan you consider to ensure your necessary medications are covered.
- Current Health Needs: If you have ongoing medical conditions or expect to need significant medical care, compare the deductibles, out-of-pocket maximums, and coverage for specific services across plans.
Frequently Asked Questions
How many health insurance carriers offer plans in Lee County?
In 2026, six health insurance carriers, including HealthKeepers, offer marketplace plans in Virginia Rating Area 6, which covers Lee County. These carriers provide a range of HMO, PPO, and EPO options.
Can I get a PPO plan through the Marketplace Virginia in Lee County?
Yes, PPO plans are available on-exchange through Marketplace Virginia in Lee County. Shoppers can choose from HMO, PPO, and EPO structures, including options from HealthKeepers Plus PPO, Cigna HMO and PPO, and United Healthcare HMO and PPO.
What income qualifies for Medicaid in Lee County, Virginia?
Virginia expanded Medicaid in 2019. Adults in Lee County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (FAMIS Plus). For a single individual, this is approximately $20,783 per year.
Does HealthKeepers offer plans across all metal tiers in Lee County?
HealthKeepers typically offers plans across various metal tiers (Bronze, Silver, Gold) in Virginia Rating Area 6, providing options for different coverage levels and cost-sharing preferences. Specific plan availability can be confirmed on Marketplace Virginia.