HealthKeepers Health Insurance in Surry County, Virginia
- HealthKeepers is one of 6 carriers offering health insurance plans on Marketplace Virginia in Surry County for 2026.
- Residents of Surry County may qualify for significant subsidies (Premium Tax Credits) if their income is between 100% and 400% of the Federal Poverty Level.
- Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% FPL, and pregnant women up to 200% FPL.
- Surry County has a population of 6,549 and an uninsured rate of 3.1% as of U.S. Census Bureau ACS 2024 5-year estimates.
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What HealthKeepers Plans Are Available in Surry County?
In Surry County, HealthKeepers offers a variety of health insurance plans through Marketplace Virginia, which uses the federal HealthCare.gov platform. You will find plans structured as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Unlike some states, PPO plans are available on-exchange in Virginia, giving consumers more choice in how they access care and whether they need referrals for specialists. Each plan type offers a different approach to network access and cost-sharing:- HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the network and get referrals for specialists. Out-of-network care is generally not covered, except in emergencies.
- PPO (Preferred Provider Organization): Offers more flexibility, allowing you to see specialists without a referral and providing some coverage for out-of-network care, though at a higher cost.
- EPO (Exclusive Provider Organization): Similar to an HMO in that it generally doesn't cover out-of-network care, but it may not require a PCP referral for specialists within the network.
How Can You Afford Health Insurance in Surry County?
Affordability is a key concern for many seeking health insurance. Fortunately, several programs and subsidies are available to help Surry County residents manage the cost of coverage:Premium Tax Credits (Subsidies)
The Affordable Care Act (ACA) provides Premium Tax Credits (PTCs) to reduce your monthly health insurance premiums. These subsidies are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For 2026, the specific income thresholds will be updated, but generally, a significant portion of Surry County's population, which has a median income of $78,041, may qualify for assistance. These credits can be applied directly to your premium each month, making plans from HealthKeepers and other carriers more accessible.Virginia Medicaid and FAMIS Plus
Virginia expanded its Medicaid program in 2019 (known as Virginia Medicaid Expansion or FAMIS Plus). This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost health coverage. Unlike states with a coverage gap, Virginia ensures that individuals and families with lower incomes have access to essential healthcare services. Additionally, Virginia offers specific programs for vulnerable populations:- FAMIS Moms: Covers pregnant women with incomes up to 200% FPL, including prenatal care, labor and delivery, and extended postpartum care for 12 months. Applications can be submitted through commonhelp.virginia.gov.
- FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households with incomes up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.
Health Insurance Carriers in Surry County
For 2026, residents of Surry County have a robust selection of health insurance carriers offering plans through Marketplace Virginia. Surry County is part of 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. In 2026, 6 carriers offer marketplace plans in Rating Area 4:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in Surry County
Choosing the right health insurance plan requires careful consideration of your income, health needs, and preferred doctors. 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 benefits with little to no cost. You should apply directly through commonhelp.virginia.gov.If Your Income is Between 100% and 400% FPL
You are eligible for Premium Tax Credits (subsidies) to lower your monthly premiums when purchasing a plan through Marketplace Virginia. Consider a Silver plan, as you may also qualify for Cost-Sharing Reductions (CSRs), which further reduce your deductibles, copayments, and out-of-pocket maximums. This makes Silver plans particularly valuable for those who qualify. Compare HealthKeepers Silver plans with those from other carriers in Rating Area 4.If Your Income is Above 400% FPL
You will pay the full premium for your chosen plan. You can still enroll in HealthKeepers plans or other carrier plans through Marketplace Virginia. Focus on the metal tier that best matches your expected healthcare usage and financial comfort level (e.g., Bronze for catastrophic coverage, Gold for lower out-of-pocket costs). A licensed health insurance producer can provide free, personalized assistance to help you compare plans, understand subsidies, and enroll in coverage that meets your specific needs.Frequently Asked Questions
What is the enrollment period for HealthKeepers plans in Surry County?
Open Enrollment for 2026 plans typically runs from November 1 to January 15 each year. If you experience a Qualifying Life Event (QLE) outside this period, such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period (SEP) to enroll in a HealthKeepers plan.
Can I keep my current doctor with a HealthKeepers plan?
Whether you can keep your current doctor depends on the specific HealthKeepers plan you choose and your doctor's participation in that plan's network. HMO and EPO plans have more restrictive networks, while PPO plans offer more flexibility. It's always advisable to verify that your preferred doctors and specialists are in-network before enrolling in a new plan.
Are dental and vision plans included with HealthKeepers health insurance?
Most standard health insurance plans, including those from HealthKeepers, do not include comprehensive adult dental or vision coverage. Pediatric dental and vision are typically included in ACA-compliant plans. You can often purchase separate standalone dental and vision plans alongside your medical coverage from HealthKeepers or other providers.
What is the average cost of HealthKeepers plans in Surry County?
The average cost of HealthKeepers plans varies significantly based on factors like your age, household income, plan metal tier (Bronze, Silver, Gold), and the specific plan you select. Subsidies can dramatically reduce your out-of-pocket premium. For a personalized estimate, it is best to get a quote through Marketplace Virginia or consult a licensed agent.