HealthKeepers Health Insurance Plans in Southampton County, Virginia

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

HealthKeepers is one of 6 carriers offering marketplace plans in Virginia Rating Area 4 for 2026.
Virginia residents with income between 100% and 400% FPL qualify for subsidies to lower HealthKeepers premiums.
Virginia Medicaid covers adults up to 138% FPL and pregnant women up to 200% FPL, offering comprehensive, low-cost coverage.
Southampton County has a population of 17,964 and an uninsured rate of 4.9%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you are looking for HealthKeepers health insurance plans in Southampton County, Virginia, you have several options available through Marketplace Virginia. HealthKeepers, a prominent insurer in the state, offers various plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans, allowing residents to choose coverage that aligns with their healthcare needs and budget. These plans are eligible for federal subsidies, known as premium tax credits, which can significantly reduce your monthly premiums if your household income falls within qualifying limits. Understanding your options and eligibility for financial assistance is key to securing affordable health coverage.

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What HealthKeepers Plans Are Available in Southampton County?

In Virginia Rating Area 4, which covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, York counties, HealthKeepers offers a variety of health insurance plans. As a state-based marketplace using the federal platform, Marketplace Virginia facilitates enrollment in plans from HealthKeepers and other carriers. Virginia allows marketplace shoppers to choose from HMO, PPO, and EPO plan structures. HealthKeepers provides all three types, offering flexibility in how you access care:

HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the network and get referrals for specialists. These plans often have lower premiums.
PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see any provider without a referral, though you'll pay less for in-network care. PPO plans from carriers like HealthKeepers Plus PPO are available on-exchange in Virginia.
EPO (Exclusive Provider Organization): A hybrid plan that doesn't require a PCP referral for specialists but generally only covers services from providers within its network, except in emergencies.

All plans offered through Marketplace Virginia must cover essential health benefits, including doctor visits, prescription drugs, mental health care, and maternity care.

How Do Subsidies and Medicaid Affect HealthKeepers Costs in Southampton County?

The cost of a HealthKeepers plan in Southampton County can be significantly reduced by financial assistance available through Marketplace Virginia. These subsidies come in two main forms: premium tax credits and cost-sharing reductions.

Premium Tax Credits (Subsidies)

If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits. These credits can be applied directly to your monthly premiums, lowering the amount you pay out-of-pocket. For example, a family of four earning up to approximately $124,800 per year in 2026 could qualify for assistance. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

Individuals and families with incomes between 100% and 250% FPL may also qualify for cost-sharing reductions. These reduce the amount you pay for deductibles, copayments, and coinsurance, effectively making Silver plans more generous. To receive CSRs, you must enroll in a Silver-tier plan.

Virginia Medicaid (FAMIS Plus)

Virginia expanded Medicaid in 2019, meaning adults with household income up to 138% of the FPL may qualify for comprehensive, low-cost health coverage. For a single individual, this threshold is approximately $20,120 per year in 2026. This is a critical option for many residents in Southampton County, which has a poverty rate of 8.7% per U.S. Census Bureau ACS 2024 5-year estimates. Virginia Medicaid, also known as FAMIS Plus, offers a robust benefits package with minimal or no out-of-pocket costs. Additionally, Virginia Medicaid (FAMIS Moms) covers pregnant women with income up to 200% FPL, and FAMIS (Family Access to Medical Insurance Security) covers uninsured children in households up to 200% FPL. 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 Southampton County

For 2026, 6 carriers offer marketplace plans in Virginia Rating Area 4, which includes Southampton County. HealthKeepers is one of these carriers, providing competitive options for residents. The confirmed local carriers for this rating area are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When comparing plans, it is important to review the specific benefits, provider networks, and costs associated with each carrier's offerings to find the best fit for your needs. Southampton County, with a population of 17,964 and a median age of 47.3 years, is part of Virginia Rating Area 4. The county's uninsured rate is 4.9%, lower than the state average. Southampton County does not have any acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for acute medical services. This geographic reality makes understanding network coverage and emergency care provisions crucial when selecting a health plan.

Making Your Health Insurance Decision in Southampton County

Navigating your health insurance options can seem daunting, but understanding your eligibility for financial assistance and the types of plans available simplifies the process. Here’s a guide to help you make an informed decision:

Your Household Income	Recommended Action	Key Benefit
Below 138% FPL	Apply for Virginia Medicaid (FAMIS Plus)	Comprehensive coverage with little to no cost.
138% - 250% FPL	Enroll in a Silver plan through Marketplace Virginia	Qualify for both premium tax credits and cost-sharing reductions, lowering both premiums and out-of-pocket costs.
250% - 400% FPL	Enroll in any metal-tier plan through Marketplace Virginia	Qualify for premium tax credits to reduce monthly premiums. Silver plans may still be a good value.
Above 400% FPL	Enroll in any metal-tier plan through Marketplace Virginia or directly with a carrier	No subsidies, but still access to competitively priced plans and essential health benefits.

A licensed health insurance producer can provide personalized guidance, helping you compare HealthKeepers plans against other carriers, determine your subsidy eligibility, and enroll in a plan that meets your specific healthcare and financial needs. Their services are typically free to you.

Frequently Asked Questions

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

In Virginia, HealthKeepers offers a range of plans including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. These plans are available on Marketplace Virginia, allowing you to choose the network and flexibility that best suits your needs.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to lower your monthly HealthKeepers premiums. These subsidies are available when you enroll through Marketplace Virginia.

What are the income limits for Virginia Medicaid in Southampton County?

Virginia Medicaid (FAMIS Plus) is expanded, meaning adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify. For a single individual, this is approximately $20,120 per year in 2026. Pregnant women (FAMIS Moms) can qualify with income up to 200% FPL, and children (FAMIS) up to 200% FPL.