HealthKeepers Health Insurance Plans in Roanoke County, Virginia
- HealthKeepers is one of 6 carriers offering Marketplace plans in Roanoke County's Rating Area 5 for 2026.
- Roanoke County residents with income up to 400% FPL may qualify for subsidies to lower HealthKeepers plan costs.
- Virginia expanded Medicaid in 2019, covering adults up to 138% FPL, and pregnant women up to 200% FPL through FAMIS Moms.
- HealthKeepers offers both HMO and PPO plans on the Marketplace Virginia, providing options for network flexibility.
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What HealthKeepers Plans Are Available in Roanoke County?
HealthKeepers provides a range of health insurance plans in Roanoke County through the Marketplace Virginia, catering to diverse needs. As of 2026, Roanoke County is part of Virginia Rating Area 5, which also covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Salem, Smyth, Wythe counties. HealthKeepers offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans in this rating area. HMO plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. They often have lower premiums and out-of-pocket costs. PPO plans, on the other hand, offer more flexibility, allowing you to see out-of-network providers (though at a higher cost) and usually not requiring a referral to see a specialist. The availability of PPO plans on the Marketplace Virginia provides greater choice for consumers who prioritize network breadth.Understanding Plan Tiers
HealthKeepers plans, like all Marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs, not the quality of care:- Bronze: Lowest monthly premiums, but highest deductibles and out-of-pocket costs. Best for those who expect minimal medical care and want protection against catastrophic events.
- Silver: Moderate premiums and deductibles. Ideal for individuals and families who qualify for cost-sharing reductions (CSRs), which significantly lower out-of-pocket costs.
- Gold: Higher monthly premiums, but lower deductibles and out-of-pocket costs when you need care. Suitable for those who expect to use medical services frequently.
Financial Assistance for HealthKeepers Plans in Roanoke County
Many residents of Roanoke County qualify for financial assistance to make HealthKeepers and other Marketplace plans more affordable. The Marketplace Virginia offers two main types of subsidies:| Subsidy Type | Income Threshold (2026 FPL) | Benefit |
|---|---|---|
| Premium Tax Credits | Up to 400% FPL | Lowers your monthly premium payment. The amount depends on your income, household size, and the cost of the benchmark Silver plan in your area. |
| Cost-Sharing Reductions (CSRs) | Up to 250% FPL | Reduces your out-of-pocket costs (deductibles, copayments, coinsurance). Only available with Silver plans. |
Virginia Medicaid and FAMIS in Roanoke County
Virginia expanded its Medicaid program in 2019, significantly increasing access to no-cost health coverage for low-income adults in Roanoke County and across the state. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus). This means individuals earning approximately $20,120 or less per year, and families of four earning around $41,400 or less, could be eligible for comprehensive coverage without premiums. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children in families with incomes up to 200% FPL are covered by FAMIS (Family Access to Medical Insurance Security). For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage. Applications for these programs can be submitted through commonhelp.virginia.gov.Health Insurance Carriers in Roanoke County
In 2026, 6 carriers offer marketplace plans in Rating Area 5, which includes Roanoke County. These carriers provide a range of options beyond HealthKeepers for residents seeking individual and family health insurance. It is always recommended to compare plans from multiple providers to find the best fit for your specific needs. The confirmed carriers for Roanoke County's Rating Area 5 are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Choosing the Right HealthKeepers Plan in Roanoke County
Selecting the right HealthKeepers plan involves evaluating your healthcare needs, budget, and preference for provider networks. Here's a decision-making guide:- Consider Your Health Needs: If you anticipate frequent doctor visits, prescription medications, or managing a chronic condition, a Gold-tier plan might offer better value despite higher premiums due to lower out-of-pocket costs. If you are generally healthy and primarily want protection against emergencies, a Bronze plan could be sufficient.
- Evaluate Network Access: HealthKeepers offers both HMO and PPO plans. If you prefer the flexibility to see specialists without referrals or have specific out-of-network providers you wish to access, a PPO plan may be more suitable. If you are comfortable with a primary care physician coordinating your care, an HMO plan can offer cost savings. Verify if your preferred doctors and Carilion Medical Center are in-network for any plan you consider.
- Check Subsidy Eligibility: Use the Marketplace Virginia website to determine if you qualify for premium tax credits or cost-sharing reductions. These subsidies can significantly alter the effective cost of your plan, often making higher-tier plans more affordable than you might expect.
- Compare Total Costs: Don't just look at the monthly premium. Consider the deductible, copayments, coinsurance, and out-of-pocket maximum. A plan with a higher premium but lower out-of-pocket maximum might save you money if you have significant medical expenses.
Frequently Asked Questions
What types of HealthKeepers plans are available in Roanoke County, Virginia?
In Roanoke County, HealthKeepers offers a variety of plan types through the Marketplace Virginia, including Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. These plans provide different levels of flexibility in choosing doctors and hospitals.
Can I get a subsidy for HealthKeepers plans in Roanoke County?
Yes, individuals and families in Roanoke County may qualify for subsidies (premium tax credits and cost-sharing reductions) to lower the cost of HealthKeepers plans purchased through the Marketplace Virginia. Eligibility is based on household income relative to the Federal Poverty Level.
Does HealthKeepers cover Carilion Medical Center in Roanoke?
HealthKeepers plans typically include major local hospitals in their networks. Carilion Medical Center in Roanoke is a significant healthcare provider in Roanoke County. It is essential to verify if Carilion Medical Center is in-network for your specific HealthKeepers plan before enrolling to ensure coverage.
What is the average cost of HealthKeepers health insurance in Roanoke County, VA?
The average cost of HealthKeepers health insurance in Roanoke County varies significantly based on factors like age, plan type (Bronze, Silver, Gold), deductible, and whether you qualify for subsidies. Without subsidies, a Bronze plan might cost $300-$500 per month, while a Gold plan could be $500-$800+. Subsidies can significantly reduce these out-of-pocket premiums.