HealthKeepers Health Insurance in Smithfield, Virginia

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

In 2026, HealthKeepers is one of 6 carriers offering marketplace health insurance plans in Smithfield, Virginia's Rating Area 4.
Virginia residents with household incomes between 100% and 400% FPL may qualify for subsidies to lower HealthKeepers plan costs.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women (FAMIS Moms) up to 200% FPL.
Marketplace Virginia offers a choice of HMO, PPO, and EPO plan types, providing flexibility for Smithfield residents.

Navigating health insurance options in Smithfield, Virginia, involves understanding your choices through Marketplace Virginia, the state's health insurance exchange. HealthKeepers is a prominent carrier offering plans in this area, providing various coverage levels and network types. For 2026, residents of Smithfield, located in Isle of Wight County, can explore HealthKeepers plans alongside offerings from other insurers to find coverage that fits their needs and budget. Subsidies are available for eligible individuals and families, potentially reducing monthly premiums and out-of-pocket costs.

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What HealthKeepers Plans Are Available in Smithfield, VA?

For 2026, HealthKeepers offers a range of health insurance plans through Marketplace Virginia, providing options for individuals and families in Smithfield. These plans typically include Health Maintenance Organization (HMO) and Point of Service (POS) structures, which emphasize coordinated care through a primary care provider. Residents can choose from different metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs like deductibles, copayments, and coinsurance. Smithfield is part of Virginia Rating Area 4, which also covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, and York counties. In this rating area, HealthKeepers is one of six confirmed carriers offering Marketplace plans. Marketplace shoppers in Virginia can choose from HMO, PPO, and EPO structures, with PPO plans notably available on-exchange from some carriers.

Understanding Health Insurance Costs and Subsidies in Smithfield

The cost of a HealthKeepers plan in Smithfield, like any other health insurance plan, depends on several factors, including your age, household income, ZIP code, and the specific plan's metal tier. However, many Smithfield residents qualify for financial assistance, known as subsidies, which can significantly reduce their monthly premiums and out-of-pocket expenses. Virginia operates a state-based marketplace using the federal platform, Marketplace Virginia / HealthCare.gov. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for Premium Tax Credits (PTCs) that lower your monthly premium. Individuals and families with incomes between 100% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs), which reduce deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable. For those with lower incomes, Virginia expanded Medicaid in 2019. Adults with income up to 138% FPL can qualify for Virginia Medicaid, also known as FAMIS Plus. Pregnant women (FAMIS Moms) are covered up to 200% FPL, and children (FAMIS) up to 200% FPL, with FAMIS Select offering low-cost coverage for children between 200% and 400% FPL. These programs provide comprehensive coverage with little to no cost, ensuring essential healthcare access for vulnerable populations.

Estimated 2026 Monthly Premium Ranges for a 40-Year-Old in Smithfield, VA (Before Subsidies)
Metal Tier	Estimated Monthly Premium Range	Key Features
Bronze	$350 - $500	Lowest premiums, highest deductibles. Best for healthy individuals who want catastrophic coverage.
Silver	$450 - $700	Moderate premiums and deductibles. Best value for those qualifying for Cost-Sharing Reductions.
Gold	$550 - $850	Higher premiums, lower deductibles. Good for those who expect frequent medical care.
Platinum	$700+	Highest premiums, lowest deductibles. Minimal out-of-pocket costs when receiving care.
These are estimates; actual costs vary based on age, income, and specific plan details. Subsidies can significantly reduce these amounts.

Health Insurance Carriers in Smithfield

Smithfield, Virginia, is located in Isle of Wight County, which is part of Virginia Rating Area 4. In 2026, 6 carriers offer marketplace plans in Rating Area 4, providing a competitive selection for residents. These carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers provides various plan types, including HMO, PPO, and EPO options, allowing consumers to choose based on their preferred provider networks and care coordination models. It is important to compare the specific plans offered by each carrier to understand their networks, drug formularies, and cost-sharing structures. Smithfield, with a population of 8,834 and a median income of $113,158, has an uninsured rate of 5.3%, per U.S. Census Bureau ACS 2024 5-year estimates. Isle of Wight County itself, with 39,974 residents, has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties within Rating Area 4 for hospital services. This local context underscores the importance of choosing a health plan with a robust network that includes accessible facilities outside the immediate city limits.

Making Your Health Insurance Decision in Smithfield

Choosing the right HealthKeepers plan, or any other health insurance plan, in Smithfield requires careful consideration of your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This program offers comprehensive, low-cost or free healthcare coverage. You should apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits to lower your monthly premiums. Consider a Silver plan, especially if your income is below 250% FPL, as you may also qualify for Cost-Sharing Reductions that lower your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase a plan through Marketplace Virginia, but you won't qualify for subsidies. Focus on finding a plan with a network that includes your preferred doctors and hospitals, and a deductible/out-of-pocket maximum that aligns with your anticipated healthcare usage.
Consider your healthcare needs: If you have chronic conditions or anticipate frequent doctor visits, a Gold or Platinum plan with lower deductibles might be more cost-effective in the long run. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan might be suitable.
Review provider networks: Ensure that HealthKeepers' network, or any other carrier's network, includes your preferred doctors, specialists, and hospitals, especially since Isle of Wight County has no acute care hospitals and residents travel for care.

A licensed health insurance agent specializing in Virginia plans can provide personalized assistance, compare plans from all available carriers, and help you enroll at no additional cost.

Frequently Asked Questions

What types of HealthKeepers plans are available in Smithfield, VA?

In Smithfield, HealthKeepers typically offers Health Maintenance Organization (HMO) and Point of Service (POS) plans on the Marketplace Virginia. These plans focus on coordinated care through a primary care provider and a network of specialists. Availability can vary by specific ZIP code and plan year, so it's always best to verify directly through the marketplace.

Can I get a subsidy for HealthKeepers plans in Smithfield?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits and Cost-Sharing Reductions) to lower the cost of HealthKeepers plans purchased through Marketplace Virginia. For a single person in 2026, 100% FPL is around $15,060 annually, and 400% FPL is around $60,240. Virginia residents with income below 138% FPL may qualify for Virginia Medicaid.

How does HealthKeepers compare to other carriers in Smithfield?

HealthKeepers is one of six carriers offering Marketplace plans in Smithfield's Rating Area 4 for 2026. Other carriers include CareFirst BlueChoice, Cigna, Oscar Health, Sentara Health Plans, and United Healthcare. Each carrier offers different networks, plan types (HMO, PPO, EPO), and price points. Comparing plans side-by-side on Marketplace Virginia or with a licensed agent can help you find the best fit for your needs and budget.

What if I need to see a specialist with a HealthKeepers plan?

Most HealthKeepers plans in Virginia, especially HMOs, require you to choose a primary care provider (PCP) who coordinates your care and issues referrals to specialists. This process helps ensure that your care is integrated and appropriate. For POS plans, you may have more flexibility to see out-of-network providers, but typically at a higher cost. Always check your specific plan's requirements for specialist visits.