HealthKeepers Health Insurance Plans in Radford, Virginia
- HealthKeepers is one of 6 confirmed health insurance carriers offering Marketplace plans in Radford, Virginia, for the 2026 plan year.
- Virginia's Marketplace (HealthCare.gov) offers HMO, PPO, and EPO plan types, providing flexible choices for Radford residents.
- Individuals and families with incomes between 100% and 400% FPL may qualify for significant premium tax credits.
- Radford, an independent city with a population of 16,726, has an uninsured rate of 4.9%, per U.S. Census Bureau ACS 2024 5-year estimates.
Get Your Free Health Insurance Quote
A licensed agent can compare coverage options for you at no cost.
You're all set!
A licensed agent will reach out shortly.
What HealthKeepers Plans Are Available in Radford?
In Radford, Virginia, HealthKeepers offers a variety of health insurance plans through the Marketplace Virginia, which uses the federal HealthCare.gov platform. As an independent city, Radford is part of Virginia Rating Area 5. For the 2026 plan year, you can choose from HealthKeepers' Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This allows for flexibility in how you access medical care, with PPO options providing the ability to see out-of-network providers for a higher cost. When selecting a HealthKeepers plan, you will encounter different metal tiers: Bronze, Silver, Gold, and Platinum.- Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for those who want protection against catastrophic medical costs.
- Silver plans offer moderate premiums and deductibles. They are particularly valuable if you qualify for Cost-Sharing Reductions (CSRs), which can significantly lower your deductibles, copayments, and out-of-pocket maximums.
- Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket maximums, making them suitable for individuals who expect to use medical services frequently.
- Platinum plans have the highest premiums but the lowest out-of-pocket costs, covering a larger portion of your medical expenses from the start.
Financial Assistance for HealthKeepers Plans in Radford
Many Radford residents qualify for financial assistance to make HealthKeepers plans more affordable. The primary forms of assistance are Premium Tax Credits and Cost-Sharing Reductions (CSRs), available through the Marketplace Virginia (HealthCare.gov).Premium Tax Credits (Subsidies)
Premium Tax Credits reduce your monthly premium payment. Eligibility is based on your household income relative to the Federal Poverty Level (FPL).- If your income is between 100% and 400% FPL, you are likely eligible for premium tax credits.
- For example, a single individual in Radford with an income of $35,000 (approximately 250% FPL) would likely receive a substantial subsidy to lower their monthly premium.
Cost-Sharing Reductions (CSRs)
CSRs help lower your out-of-pocket costs like deductibles, copayments, and coinsurance. They are only available on Silver-tier plans.- If your income is up to 250% FPL, you may qualify for CSRs.
- CSRs can make a Silver plan's out-of-pocket costs comparable to a Gold or even Platinum plan, at a lower premium.
Virginia Medicaid and FAMIS Programs for Radford Residents
Virginia expanded its Medicaid program in 2019, making coverage available to many more residents. If your income is below certain thresholds, you may qualify for free or low-cost health coverage through Virginia Medicaid or the Family Access to Medical Insurance Security (FAMIS) programs.Virginia Medicaid Expansion
Adults in Virginia with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides comprehensive health coverage with no monthly premiums. For a single individual in 2026, this threshold would be approximately $20,782 annually.FAMIS Programs for Pregnant Women and Children
Virginia also offers specific programs for pregnant women and children:- FAMIS Moms: Covers pregnant women with income up to 200% FPL. This includes comprehensive prenatal care, labor and delivery, and 12 months of postpartum care. Applications can be made through commonhelp.virginia.gov.
- FAMIS (Children's Health Insurance Program - CHIP): Provides coverage for uninsured children in households up to 200% FPL.
- FAMIS Select: Offers low-cost coverage for children in families with incomes between 200% and 400% FPL.
Health Insurance Carriers in Radford
For residents of Radford, Virginia, part of Virginia Rating Area 5, there are several carriers offering plans through the Marketplace Virginia (HealthCare.gov) for the 2026 plan year. In 2026, 6 carriers offer marketplace plans in Rating Area 5, providing a competitive selection of options. The confirmed local carriers for 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, include:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Choosing the Right HealthKeepers Plan in Radford
Selecting the right HealthKeepers plan in Radford depends on your individual health needs, financial situation, and preferred way of accessing care. Consider these factors:| Your Situation | Recommended Action | Key Consideration |
|---|---|---|
| Low income (below 138% FPL) | Apply for Virginia Medicaid (FAMIS Plus) | Comprehensive, no-cost coverage. Apply through commonhelp.virginia.gov. |
| Income 100% - 250% FPL | Choose a Silver plan with Cost-Sharing Reductions (CSRs) | Receive premium tax credits AND reduced deductibles/copays, offering the best value. |
| Income 250% - 400% FPL | Compare Bronze, Silver, and Gold plans with Premium Tax Credits | Bronze for low premiums; Silver for moderate costs; Gold for lower out-of-pocket expenses. |
| High income (above 400% FPL) | Compare Bronze, Silver, Gold, and Platinum plans directly | Focus on network, deductible, and out-of-pocket maximum without subsidy consideration. |
| Frequent medical needs | Consider Gold or Platinum plans | Higher premiums but lower out-of-pocket costs for frequent doctor visits or prescriptions. |
| Prefer out-of-network options | Look for HealthKeepers PPO plans | PPO plans allow you to see out-of-network providers, though often at a higher cost. |
Frequently Asked Questions
Is HealthKeepers a PPO or HMO in Virginia?
HealthKeepers offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans in Virginia, including in Radford. You can choose the plan type that best suits your preference for network restrictions and out-of-network coverage.
How does the Marketplace Virginia work for Radford residents?
The Marketplace Virginia uses the federal HealthCare.gov platform. Radford residents can apply for coverage, compare plans from multiple carriers including HealthKeepers, and determine their eligibility for financial assistance like premium tax credits and cost-sharing reductions during the annual Open Enrollment Period or a Special Enrollment Period.
What is Virginia Rating Area 5?
Virginia Rating Area 5 is a multi-county area that includes Radford and 18 other counties: Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Roanoke, Roanoke, Salem, Smyth, and Wythe. Health insurance plan prices and availability are uniform across all locations within this specific rating area.
Can I enroll in a HealthKeepers plan outside of Open Enrollment?
Generally, you can only enroll in a HealthKeepers plan during the annual Open Enrollment Period. However, if you experience a Qualifying Life Event (QLE) such as losing other coverage, getting married, having a baby, or moving to a new rating area, you may qualify for a Special Enrollment Period (SEP) to enroll or change your plan.