HealthKeepers Health Insurance in Rockingham County, Virginia
- HealthKeepers is one of 6 carriers offering health insurance plans in Rockingham County for the 2026 plan year.
- Virginia residents can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on Marketplace Virginia / HealthCare.gov.
- Individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for significant premium tax credits and cost-sharing reductions.
- Virginia expanded Medicaid, covering adults with incomes up to 138% FPL and pregnant women up to 200% FPL.
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What HealthKeepers Plans Are Available in Rockingham County?
HealthKeepers is a significant participant in Virginia's health insurance marketplace, offering a variety of plans designed to meet different needs and budgets. In Rockingham County, residents can typically choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Unlike some states, Virginia's marketplace includes PPO plans, giving consumers more flexibility in provider choice, often at a higher premium. HealthKeepers plans cover essential health benefits as mandated by the Affordable Care Act (ACA), including emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services, laboratory services, preventive and wellness services, and pediatric services. When selecting a HealthKeepers plan, consider the network of doctors and hospitals, the deductible, copayments, and coinsurance, and the total out-of-pocket maximum.Understanding Your Eligibility and Subsidies for HealthKeepers Plans
Eligibility for HealthKeepers plans and financial assistance in Rockingham County depends primarily on your household income and family size relative to the Federal Poverty Level (FPL). Most individuals and families who purchase plans through Marketplace Virginia / HealthCare.gov are eligible for premium tax credits, which directly reduce your monthly insurance payments.For 2026, individuals and families with incomes between 100% and 400% FPL typically qualify for these premium subsidies. For example, an individual earning $30,000 (around 200% FPL) or a family of four earning $80,000 (around 250% FPL) would likely receive substantial assistance. Those with incomes between 150% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) if they select a Silver-tier plan. CSRs lower your deductible, copayments, and out-of-pocket maximums, making healthcare significantly more affordable.
| Household Size | 100% FPL (Approx.) | 138% FPL (Approx.) | 200% FPL (Approx.) | 400% FPL (Approx.) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $30,120 | $60,240 |
| 2 | $20,440 | $28,207 | $40,880 | $81,760 |
| 3 | $25,820 | $35,631 | $51,640 | $103,280 |
| 4 | $31,200 | $43,056 | $62,400 | $124,800 |
| Add'l Person | +$5,380 | +$7,424 | +$10,760 | +$21,520 |
These are approximate FPL figures for 2026 and are subject to change. Official figures are released annually.
Virginia Medicaid and FAMIS Plus in Rockingham County
Virginia expanded its Medicaid program in 2019, providing a crucial safety net for many residents. Adults in Rockingham County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid, also known as FAMIS Plus. This program offers comprehensive health coverage with little to no out-of-pocket costs. For pregnant women, Virginia's FAMIS Moms program covers individuals with incomes up to 200% FPL, including 12 months of postpartum care. Children in households up to 200% FPL can qualify for FAMIS (Family Access to Medical Insurance Security). Families with children between 200% and 400% FPL may find low-cost coverage through FAMIS Select. Applications for these programs can be submitted through commonhelp.virginia.gov.Health Insurance Carriers in Rockingham County
In 2026, 6 carriers offer marketplace plans in Rating Area 7, which covers Augusta, Buena Vista, Harrisonburg, Lexington, Page, Rockbridge, Rockingham, Shenandoah, Staunton, Waynesboro counties. This ensures a competitive market with a variety of plan options for Rockingham County residents. The confirmed carriers for this rating area include:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Each of these carriers offers plans across different metal tiers (Bronze, Silver, Gold, and Platinum), allowing you to compare coverage levels and costs to find the plan that best fits your needs.
Choosing the Right HealthKeepers Plan in Rockingham County
Selecting a health insurance plan involves balancing premiums, deductibles, and the extent of coverage. HealthKeepers offers plans at various metal tiers, each designed for different healthcare usage patterns:- Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are best for those who expect to use healthcare services infrequently and want protection against catastrophic medical events.
- Silver Plans: Silver plans offer a balance of moderate premiums and deductibles. They are particularly valuable for individuals and families eligible for Cost-Sharing Reductions (CSRs), as these subsidies are only available with Silver plans and can significantly lower your out-of-pocket expenses.
- Gold Plans: With higher monthly premiums, Gold plans come with lower deductibles and out-of-pocket costs. They are suitable for those who anticipate needing regular medical care or who prefer more predictable costs throughout the year.
Rockingham County, with a population of 85,600 and an uninsured rate of 10.6% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Virginia Rating Area 7. This multi-county rating area ensures a broad selection of carriers, including HealthKeepers, offering comprehensive plans. While Rockingham County does not have any acute care hospitals within its borders, residents often travel to neighboring counties for hospital services, making access to a robust network of providers a key consideration when choosing a plan. The median income in Rockingham County is $80,693, with a poverty rate of 9.8%.
Next Steps for Securing Health Insurance in Rockingham County
Navigating the health insurance marketplace can be complex, but assistance is readily available. Here's a guide to your next steps:- Assess Your Income: Determine your estimated household income for 2026. This will dictate your eligibility for premium tax credits, cost-sharing reductions, or Virginia Medicaid.
- Consider Your Healthcare Needs: Think about how often you expect to use medical services, your preferred doctors, and any prescription medications you take. This will help you decide between HMO, PPO, or EPO plans and which metal tier (Bronze, Silver, Gold) is most appropriate.
- Explore All Options: While HealthKeepers is a strong option, compare its plans with those offered by CareFirst BlueChoice, Cigna, Oscar Health, Sentara Health Plans, and United Healthcare to find the best value and coverage for your specific situation.
- Seek Expert Guidance: A licensed health insurance producer can provide personalized assistance, help you compare plans, and guide you through the application process on Marketplace Virginia / HealthCare.gov. This service is typically free to you.
Frequently Asked Questions
Can I get HealthKeepers health insurance in Rockingham County, Virginia?
Yes, HealthKeepers is one of six confirmed carriers offering health insurance plans on Marketplace Virginia / HealthCare.gov in Rockingham County for the 2026 plan year. Residents can choose from HealthKeepers' HMO, PPO, and EPO plan options.
What types of HealthKeepers plans are available in Rockingham County?
HealthKeepers, along with other carriers in Virginia, offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans through the state marketplace. PPO plans are available on-exchange in Virginia, providing more flexibility in choosing providers.
How do I apply for HealthKeepers coverage or other plans in Rockingham County?
You can apply for HealthKeepers plans, or compare them with other carriers, through Marketplace Virginia / HealthCare.gov during open enrollment or a special enrollment period. You may qualify for subsidies based on your household income and size. A licensed health insurance producer can help you navigate options and apply at no cost.
What if my income is too low for subsidies in Virginia?
Virginia expanded Medicaid in 2019. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. Pregnant women (FAMIS Moms) and children (FAMIS) may qualify with incomes up to 200% FPL. You can apply through commonhelp.virginia.gov.