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

HealthKeepers Health Insurance in Richmond County, Virginia

HealthKeepers offers both HMO and PPO plans on Marketplace Virginia (HealthCare.gov) for residents of Richmond County.
Richmond County is part of Virginia Rating Area 3, which has 6 marketplace carriers in 2026, serving a population of 9,095.
Individuals and families with incomes between 100% and 400% FPL may qualify for subsidies to reduce HealthKeepers plan costs.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and HealthKeepers Plus is a participating Managed Care Organization.

Navigating health insurance options in Richmond County, Virginia, can be straightforward, especially when considering providers like HealthKeepers. As a prominent carrier in the region, HealthKeepers offers various plans, including both HMO and PPO options, through Marketplace Virginia (HealthCare.gov). These plans are designed to meet diverse needs, whether you're looking for comprehensive coverage with a specific network or more flexibility in choosing providers. Understanding your eligibility for financial assistance, such as premium tax credits and cost-sharing reductions, is key to making an informed decision, as these subsidies can significantly lower your out-of-pocket expenses.

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What HealthKeepers Plans Are Available in Richmond County?

In Richmond County, HealthKeepers participates in Marketplace Virginia, offering a range of health insurance plans. Residents can choose from Health Maintenance Organization (HMO) plans, which typically require you to select a primary care provider (PCP) and get referrals for specialists, and Preferred Provider Organization (PPO) plans, which offer more flexibility to see out-of-network providers (though at a higher cost). Unlike some states, Virginia's marketplace includes PPO plans, giving consumers in Richmond County broader choices. HealthKeepers plans generally cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and preventive care. The specific benefits, deductibles, copayments, and out-of-pocket maximums vary by plan tier (Bronze, Silver, Gold, Platinum). Bronze plans have lower monthly premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower costs when you use care. Silver plans offer a balance and are the only tier eligible for Cost-Sharing Reductions (CSRs) if you qualify.

Health Insurance Carriers in Richmond County

Richmond County is part of Virginia Rating Area 3, which covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, and Richmond counties, along with Richmond County itself. In 2026, 6 carriers offer marketplace plans in Rating Area 3, providing a competitive market for residents:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

This variety allows residents to compare different plan types, networks, and prices to find the best fit for their healthcare needs. For instance, you can compare HealthKeepers' offerings against those from CareFirst BlueChoice or Cigna to see which network includes your preferred doctors or hospitals.

Understanding Subsidies and Virginia Medicaid Eligibility

Many Richmond County residents can receive financial assistance to make health insurance more affordable. The Affordable Care Act (ACA) provides subsidies in two main forms:

Advance Premium Tax Credits (APTCs): These credits reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In 2026, individuals and families with incomes between 100% and 400% FPL may qualify for APTCs.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available for Silver-tier plans and are typically for those with incomes between 100% and 250% FPL.

For those with lower incomes, Virginia expanded Medicaid in 2019, making coverage available to adults up to 138% of the FPL. This program, known as Virginia Medicaid or FAMIS Plus, provides comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs. HealthKeepers Plus is one of the Managed Care Organizations (MCOs) that partners with Virginia Medicaid to deliver these services. Virginia also offers specific programs for pregnant women and children:

FAMIS Moms: Covers pregnant women with incomes up to 200% FPL, including prenatal care, delivery, and 12 months of postpartum care. Applications can be submitted through commonhelp.virginia.gov.
FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.

Richmond County, with a population of 9,095 and a median income of $66,304 per U.S. Census Bureau ACS 2024 5-year estimates, benefits from these robust state programs. The county's uninsured rate of 5.2% is below the national average, partly due to the accessibility of Marketplace Virginia plans and Medicaid expansion. Residents seeking acute care can access facilities like Medical College of Virginia Hospitals and Bon Secours St Marys Hospital in nearby Richmond.

Making Your Decision: How to Choose a HealthKeepers Plan

Choosing the right HealthKeepers plan in Richmond County depends on several factors, including your income, health needs, and preferred providers.

Your Situation	Recommended Action	HealthKeepers Relevance
Income below 138% FPL	Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov.	HealthKeepers Plus is a participating MCO for Virginia Medicaid.
Income 100-250% FPL	Enroll in a Silver-tier plan on Marketplace Virginia to maximize both premium tax credits and Cost-Sharing Reductions.	HealthKeepers offers Silver plans; CSRs make them very affordable.
Income 250-400% FPL	Enroll in any plan tier (Bronze, Silver, Gold, Platinum) on Marketplace Virginia; you'll qualify for premium tax credits.	HealthKeepers offers plans across all metal tiers.
Income above 400% FPL	Enroll in a plan on Marketplace Virginia. While not eligible for subsidies, you benefit from ACA protections.	HealthKeepers plans are available to all eligible residents.
Need low monthly premiums, okay with high deductible	Consider a Bronze-tier plan.	HealthKeepers offers Bronze plans for cost-conscious individuals.
Prefer lower out-of-pocket costs when using care	Consider a Gold or Platinum-tier plan.	HealthKeepers offers Gold plans with more robust benefits.

A licensed health insurance producer can help you compare HealthKeepers plans with other carriers in Rating Area 3, verify provider networks, and ensure you receive all eligible financial assistance. Their services are free and can save you significant time and money.

Frequently Asked Questions

What types of HealthKeepers plans are available in Richmond County, VA?

In Richmond County, HealthKeepers offers both HMO and PPO plans through Marketplace Virginia, alongside other carriers. These plans cover a range of benefits with varying network structures and out-of-pocket costs.

Can I get a subsidy for HealthKeepers plans in Richmond County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Individuals earning between 100% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans.

Is HealthKeepers part of Virginia Medicaid in Richmond County?

HealthKeepers Plus is a Managed Care Organization (MCO) that partners with Virginia Medicaid (FAMIS Plus) to provide coverage. If your income is below 138% FPL, you may qualify for Virginia Medicaid, and HealthKeepers Plus could be one of your managed care options.

How do I enroll in a HealthKeepers plan in Richmond County?

You can enroll in HealthKeepers plans during the annual Open Enrollment Period through Marketplace Virginia (HealthCare.gov). If you experience a qualifying life event, such as moving, losing other coverage, or having a baby, you may qualify for a Special Enrollment Period. A licensed health insurance producer can assist you with enrollment at no cost.