HealthKeepers Health Insurance in Montgomery County, Virginia

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

HealthKeepers is one of 6 carriers offering marketplace health plans in Montgomery County, Virginia, for the 2026 plan year.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Marketplace plans in Montgomery County include HMO, PPO, and EPO options, with subsidies available for incomes up to 400% FPL.

If you're looking for HealthKeepers health insurance in Montgomery County, Virginia, you have options through the Marketplace Virginia, which uses HealthCare.gov. HealthKeepers is a prominent carrier in the region, offering a variety of plans designed to meet different needs and budgets. Understanding your options for 2026 involves knowing which plan types are available, how financial assistance can lower your costs, and what other carriers serve Rating Area 5, which includes Montgomery County.

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What HealthKeepers Plans Are Available in Montgomery County?

HealthKeepers offers a range of health insurance plans in Montgomery County, including various metal tiers (Bronze, Silver, Gold, Platinum) and plan structures like HMO, PPO, and EPO. As Virginia is an expansion state, PPO plans are available on-exchange. When selecting a plan, consider factors like monthly premiums, deductibles, copayments, and out-of-pocket maximums. HealthKeepers plans often include access to local hospitals such as Carilion New River Valley Medical Center in Christiansburg and Lewisgale Hospital Montgomery in Blacksburg, which are the two acute care facilities within the county.

Montgomery County, part of Virginia Rating Area 5, serves a population of 99,101 with an uninsured rate of 4.8%, per U.S. Census Bureau ACS 2024 5-year estimates. This rating area also covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe counties, ensuring a consistent plan selection across these regions.

Understanding Your Financial Assistance Options in Virginia

For residents of Montgomery County, financial assistance is available to make health insurance more affordable. Eligibility for subsidies and Medicaid depends primarily on your household income relative to the Federal Poverty Level (FPL).

Income Level (as % FPL)	Assistance Type	Key Benefits
Below 138% FPL	Virginia Medicaid (FAMIS Plus)	Comprehensive coverage with no premiums, low or no out-of-pocket costs. Includes adults, pregnant women (up to 200% FPL, FAMIS Moms), and children (up to 200% FPL, FAMIS).
100% - 250% FPL	Premium Tax Credits & Cost-Sharing Reductions (CSRs)	Significant premium reductions; lower deductibles, copays, and out-of-pocket maximums on Silver plans.
251% - 400% FPL	Premium Tax Credits	Reduces monthly premiums, making coverage more affordable.
Above 400% FPL	No Income-Based Subsidies	Pay full premium for marketplace plans. May still find competitive rates from HealthKeepers or other carriers.

Virginia expanded Medicaid in 2019, meaning adults with incomes up to 138% FPL can qualify for coverage through Virginia Medicaid or FAMIS Plus. Pregnant women can qualify for FAMIS Moms up to 200% FPL, and children for FAMIS up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Montgomery County

In 2026, 6 carriers offer marketplace plans in Rating Area 5, which covers Montgomery County. While this article focuses on HealthKeepers, it is important to be aware of all available options to ensure you select the best plan for your needs. The confirmed carriers for Montgomery County and Rating Area 5 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers various plans, including HMO, PPO, and EPO options, with different network coverages and cost structures. Comparing plans from multiple carriers can help you find a plan that aligns with your healthcare needs and budget.

Choosing the Right HealthKeepers Plan in Montgomery County

When deciding on a HealthKeepers plan, or any plan in Montgomery County, consider your healthcare needs, budget, and preferred doctors and hospitals.

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This provides comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: Consider a Silver plan. You will qualify for both premium tax credits and Cost-Sharing Reductions (CSRs), significantly lowering your out-of-pocket costs for deductibles, copays, and coinsurance.
If your income is between 251% and 400% FPL: You will qualify for premium tax credits to reduce your monthly premiums. Bronze, Silver, or Gold plans may be good options depending on how often you expect to use medical services.
If your income is above 400% FPL: While you won't receive income-based subsidies, you can still enroll in a HealthKeepers plan (or another carrier's plan) through Marketplace Virginia or directly from the insurer. Compare plans across metal tiers for the best fit.

A licensed health insurance producer can help you navigate these choices, compare plans from HealthKeepers and other carriers, and ensure you receive all eligible financial assistance. This service is free to you.

Frequently Asked Questions

Is HealthKeepers insurance available in all of Virginia?

HealthKeepers offers plans in many parts of Virginia, including Montgomery County. However, specific plan availability can vary by rating area. It's always best to verify plan options for your exact ZIP code on Marketplace Virginia or HealthCare.gov.

Can I get a HealthKeepers PPO plan in Montgomery County?

Yes, PPO plans are available on-exchange in Virginia, including HealthKeepers Plus PPO. Marketplace shoppers in Montgomery County can choose from HMO, PPO, and EPO structures offered by participating carriers.

What is the income limit for Virginia Medicaid in Montgomery County?

Virginia expanded Medicaid in 2019. Adults in Montgomery County with income up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid, also known as FAMIS Plus. For a single individual in 2026, this typically means an income around $20,782 per year.

How do I apply for health insurance in Montgomery County?

You can apply for HealthKeepers plans and other marketplace options through Marketplace Virginia, which uses the HealthCare.gov platform. You can also apply for Virginia Medicaid through commonhelp.virginia.gov if your income qualifies. A licensed agent can assist you with the application process.