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

HealthKeepers Health Insurance in Scott County, Virginia

Q: What are the income limits for Medicaid in Scott County?

Virginia expanded Medicaid in 2019, making it available to adults with household incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, Virginia Medicaid (FAMIS Moms) covers those up to 200% FPL, and CHIP (FAMIS) covers children up to 200% FPL. You can apply through commonhelp.virginia.gov.

HealthKeepers is one of 6 health insurance carriers offering plans in Scott County, VA for the 2026 plan year.
Scott County is part of Virginia Rating Area 6, which determines plan pricing and availability across 10 counties.
Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level (FPL).
Residents of Scott County can choose from HMO, PPO, and EPO plans on Marketplace Virginia (HealthCare.gov).

Residents of Scott County, Virginia, seeking health insurance have several options, including plans offered by HealthKeepers. As one of the prominent carriers in the region, HealthKeepers provides a variety of health plans through Marketplace Virginia, the state's health insurance exchange powered by HealthCare.gov. Understanding your choices, potential financial assistance, and local healthcare landscape is key to finding the right coverage. Whether you're looking for comprehensive benefits, specific provider networks, or affordable premiums, HealthKeepers offers plans designed to meet diverse needs within Scott County's Rating Area 6.

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What Health Insurance Options Are Available in Scott County?

In Scott County, residents can access a range of health insurance plans through Marketplace Virginia (HealthCare.gov). These plans are compliant with the Affordable Care Act (ACA), meaning they cover essential health benefits, cannot deny coverage based on pre-existing conditions, and offer financial assistance based on income. For the 2026 plan year, shoppers in Scott County can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This variety ensures that individuals and families can select a plan structure that aligns with their preferences for network flexibility and cost-sharing. Scott County is part of Virginia Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, Wise counties. This multi-county rating area means that plan availability and pricing are consistent across these 10 counties, allowing for a broader selection of options than if Scott County were a standalone rating area. The population of Scott County is 21,479, with a median income of $46,349 and an uninsured rate of 5.9%, per U.S. Census Bureau ACS 2024 5-year estimates. This uninsured rate is significantly lower than the state average, indicating strong engagement with coverage options, including marketplace plans and Virginia Medicaid.

Understanding Financial Assistance and Virginia Medicaid

Affordability is a major factor in choosing health insurance, and many Scott County residents qualify for financial assistance through the ACA marketplace. These subsidies, known as Premium Tax Credits, can significantly lower your monthly premiums, while Cost-Sharing Reductions (CSRs) can reduce out-of-pocket costs like deductibles, copayments, and coinsurance. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). Virginia expanded Medicaid in 2019, making it a crucial option for low-income residents. Adults with household incomes up to 138% of the FPL may qualify for Virginia Medicaid or FAMIS Plus, providing comprehensive coverage with no premiums or deductibles. This expansion ensures that individuals between 100% and 138% FPL are not in a coverage gap but can access robust health benefits. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including 12 months of postpartum care. Children in families with incomes up to 200% FPL can also receive coverage through FAMIS (Children's Health Insurance Program). Applications for these programs can be submitted through commonhelp.virginia.gov.

Health Insurance Carriers in Scott County

For the 2026 plan year, residents of Scott County have a competitive marketplace with multiple carriers offering plans. In 2026, 6 carriers offer marketplace plans in Rating Area 6:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

These carriers offer a variety of plan tiers—Bronze, Silver, Gold, and Platinum—each with different cost-sharing structures. Bronze plans have the lowest premiums and highest out-of-pocket costs, suitable for those who use healthcare infrequently. Silver plans offer a balance of premiums and cost-sharing, with enhanced subsidies available for eligible individuals. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for those who anticipate more frequent medical care.

Navigating Healthcare Services in Scott County

While Scott County offers many local services, it does not have any acute care hospitals within its boundaries. Residents needing acute care typically travel to neighboring counties within Rating Area 6 or nearby regions for hospital services. When selecting a health plan, it is essential to consider the network of doctors, specialists, and facilities, especially if you have preferred providers or require specific medical services outside of the county. HealthKeepers, like other carriers, provides detailed network directories to help you confirm that your chosen providers are in-network.

Making the Right Choice for Your Health Insurance

Choosing the right health insurance plan involves balancing premiums, deductibles, copayments, and network access. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), offering comprehensive coverage with minimal to no costs.
If your income is 100%–250% FPL: You may qualify for significant Premium Tax Credits and Cost-Sharing Reductions, making Silver plans particularly valuable for lower out-of-pocket costs.
If your income is above 250% FPL: You may still qualify for Premium Tax Credits, but it's crucial to compare Bronze, Silver, and Gold plans carefully to find the best balance of premium and out-of-pocket expenses for your anticipated healthcare needs.
Consider your health needs: If you expect frequent doctor visits or have chronic conditions, a Gold plan with lower deductibles might save you money in the long run, despite higher premiums. If you are generally healthy, a Bronze plan might be more cost-effective.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from HealthKeepers and other carriers, understand your subsidy eligibility, and enroll in the best plan for your situation, all at no cost to you.

Frequently Asked Questions

Can I get HealthKeepers health insurance in Scott County, Virginia?

Yes, HealthKeepers is one of 6 carriers offering health insurance plans on Marketplace Virginia (HealthCare.gov) in Rating Area 6, which includes Scott County, for the 2026 plan year. Residents can compare HealthKeepers plans alongside options from other insurers during Open Enrollment or a Special Enrollment Period.

What types of plans does HealthKeepers offer in Scott County?

In Virginia, HealthKeepers typically offers a range of plan types, including HMO, PPO, and EPO options on the marketplace. This allows residents in Scott County to choose a plan structure that best fits their healthcare access and cost preferences, whether they prefer a primary care physician gatekeeper or more flexibility.

What are the income limits for Medicaid in Scott County?

Virginia expanded Medicaid in 2019, covering adults with household incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, Virginia Medicaid (FAMIS Moms) covers those up to 200% FPL, and CHIP (FAMIS) covers children up to 200% FPL. You can apply through commonhelp.virginia.gov.

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

You can enroll in a HealthKeepers plan, or any other marketplace plan, through Marketplace Virginia (HealthCare.gov). Enrollment typically occurs during the annual Open Enrollment Period, or if you qualify for a Special Enrollment Period due to a life event like marriage, birth, or loss of other coverage.