HealthKeepers Health Insurance Plans in Pulaski, Virginia
- HealthKeepers is one of 6 carriers offering ACA marketplace plans in Pulaski's Rating Area 5 for 2026.
- Pulaski residents can enroll in HealthKeepers HMO, PPO, and EPO plans through Marketplace Virginia.
- Individuals with incomes up to 400% FPL may qualify for subsidies to reduce HealthKeepers plan costs.
- Virginia Medicaid is available for adults with incomes up to 138% FPL, including those in Pulaski.
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What HealthKeepers Plans Are Available in Pulaski?
In Pulaski, Virginia, HealthKeepers offers a variety of health insurance plan types designed to meet different needs and budgets. Through Marketplace Virginia, you can find HealthKeepers plans structured as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Unlike some states, PPO plans are available on-exchange in Virginia, giving Pulaski shoppers more flexibility in choosing their doctors and specialists. Each plan type offers a different balance of network access, cost-sharing, and referral requirements:- HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the network who then refers you to specialists. Generally has lower premiums and out-of-pocket costs.
- PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see any doctor or specialist, in or out of network, without a referral. Out-of-network care usually costs more.
- EPO (Exclusive Provider Organization): Similar to an HMO in that you must stay within the plan's network for covered care, but you typically don't need a referral to see specialists within that network.
Understanding Costs and Subsidies for HealthKeepers in Pulaski
The cost of a HealthKeepers plan in Pulaski can vary significantly based on factors like your age, household income, the plan's metal tier (Bronze, Silver, Gold, Platinum), and the number of people covered. However, many Pulaski residents qualify for financial assistance, known as subsidies, which can dramatically reduce monthly premiums and out-of-pocket expenses. Virginia's health insurance marketplace, Marketplace Virginia, is designed to help individuals and families find affordable coverage. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that lower your monthly insurance payments. Additionally, those with incomes up to 250% FPL may be eligible for cost-sharing reductions, which decrease deductibles, copayments, and coinsurance. For example, a family of four in Pulaski with an annual income of $80,000 (approximately 260% FPL in 2026) would likely qualify for substantial premium tax credits, making a HealthKeepers Silver plan much more affordable than the sticker price. A licensed agent can help you determine your exact subsidy eligibility and compare HealthKeepers plan options.Virginia Medicaid and FAMIS Programs in Pulaski
For Pulaski residents with lower incomes, Virginia offers robust Medicaid and FAMIS (Family Access to Medical Insurance Security) programs. Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage through Virginia Medicaid (also known as FAMIS Plus). This program provides extensive medical benefits with little to no out-of-pocket costs. Beyond adult expansion, Virginia also has specific programs for pregnant women and children:- FAMIS Moms: Covers pregnant women with incomes up to 200% FPL, providing prenatal care, delivery, and 12 months of postpartum care.
- FAMIS (Children's Health Insurance Program): Covers uninsured children in households with incomes up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.
Health Insurance Carriers in Pulaski
Pulaski, Virginia, is part of 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. In 2026, 6 carriers offer marketplace plans in Rating Area 5, providing residents with a range of choices beyond HealthKeepers. The confirmed carriers for Pulaski's Rating Area 5 for the 2026 plan year include:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in Pulaski
Choosing the right HealthKeepers plan, or any other plan, requires understanding your options and eligibility. Here's a decision guide for Pulaski residents:| Your Situation | Recommended Action |
|---|---|
| Household income ≤ 138% FPL | Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov. This provides comprehensive, low-cost or no-cost coverage. |
| Household income 100-400% FPL | Explore HealthKeepers and other carrier plans on Marketplace Virginia. You will likely qualify for significant premium tax credits and possibly cost-sharing reductions. Consider a Silver plan for the best value if eligible for CSRs. |
| Household income > 400% FPL | You can still enroll in HealthKeepers or other plans on Marketplace Virginia, but you won't qualify for subsidies. Compare plan metal tiers (Bronze for low premiums, Gold for lower out-of-pocket costs). |
| Need specific doctors or hospitals | Verify if your preferred providers, including Lewisgale Hospital Pulaski, are in the network of any HealthKeepers plan you are considering. PPO plans typically offer more flexibility. |
| Pregnant or have children | Check eligibility for FAMIS Moms (pregnant women up to 200% FPL) or FAMIS/FAMIS Select (children up to 400% FPL), in addition to standard ACA plans. |
Frequently Asked Questions
What types of HealthKeepers plans are available in Pulaski?
In Pulaski, HealthKeepers offers a variety of health plans through the Marketplace Virginia, including HMO, PPO, and EPO structures. These plans are compliant with the Affordable Care Act (ACA) and may be eligible for subsidies based on income.
Can I get a HealthKeepers plan with a subsidy in Pulaski?
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 when enrolling in a HealthKeepers plan through Marketplace Virginia. These subsidies can significantly lower your monthly premiums and out-of-pocket costs.
Is HealthKeepers part of the Anthem Blue Cross and Blue Shield network?
Yes, HealthKeepers is an affiliate of Anthem Blue Cross and Blue Shield. When you choose a HealthKeepers plan, you are typically accessing the Anthem network of doctors, hospitals, and specialists within Virginia.
What if my income is too low for ACA subsidies in Pulaski?
Virginia expanded Medicaid in 2019. If your household income is at or below 138% of the Federal Poverty Level, you may qualify for comprehensive, low-cost or no-cost health coverage through Virginia Medicaid (also known as FAMIS Plus). Pregnant women and children have higher income thresholds for FAMIS Moms and FAMIS programs.