HealthKeepers Health Insurance in Tazewell County, Virginia
- HealthKeepers is one of 6 carriers offering Marketplace plans in Tazewell County's Rating Area 6 for 2026.
- Marketplace Virginia (HealthCare.gov) plans include HMO, PPO, and EPO options in Tazewell County.
- Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, while pregnant women and children qualify up to 200% FPL.
- Tazewell County's uninsured rate is 4.1%, significantly lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates.
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What HealthKeepers Plans Are Available in Tazewell County?
HealthKeepers is an active participant in the Marketplace Virginia, providing health insurance options for individuals and families in Tazewell County. As part of Virginia Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, Wise counties, HealthKeepers offers various plan designs. These plans are structured to meet different healthcare needs and financial situations, with options ranging from Bronze to Platinum tiers. For 2026, HealthKeepers provides a selection of plans that include HMO, PPO, and EPO structures. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. PPO plans offer more flexibility, allowing you to see out-of-network providers, though at a higher cost. EPO plans combine aspects of both, usually not requiring a PCP referral but limiting coverage to in-network providers only, except in emergencies. When selecting a HealthKeepers plan, it is important to consider your preferred doctors, hospitals, and typical healthcare usage.Eligibility for Financial Assistance in Virginia
Many Tazewell County residents can receive financial assistance to make HealthKeepers plans more affordable. The Affordable Care Act (ACA) provides subsidies in two main forms: premium tax credits and cost-sharing reductions.Premium Tax Credits
Premium tax credits can significantly lower your monthly health insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Virginia, if your income is between 100% and 400% FPL, you may qualify for these credits. For example, a single individual in Tazewell County with an income of $35,000 (approximately 250% FPL) would likely receive substantial assistance to reduce their monthly premium for a HealthKeepers plan.Cost-Sharing Reductions (CSRs)
If your income is between 100% and 250% FPL, you may also qualify for cost-sharing reductions. CSRs reduce the amount you have to pay out-of-pocket for deductibles, copayments, and coinsurance. These reductions are only available for Silver-tier plans, effectively making a Silver plan much more valuable by offering lower out-of-pocket costs than a standard Silver plan, sometimes even comparable to a Gold plan's benefits for a lower premium.Virginia Medicaid (FAMIS Plus)
Virginia expanded its Medicaid program in 2019, offering comprehensive health coverage to more residents. Adults in Tazewell County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid, also known as FAMIS Plus. This program provides extensive medical, dental, and vision benefits with no monthly premiums and minimal out-of-pocket costs. For specific populations, Virginia offers higher income thresholds:- FAMIS Moms: Pregnant women with household incomes up to 200% FPL qualify for comprehensive prenatal, delivery, and 12 months of postpartum care.
- FAMIS (Children's Health Insurance Program): Uninsured children in households up to 200% FPL are eligible for low-cost health coverage. For children between 200% and 400% FPL, FAMIS Select offers affordable options.
Health Insurance Carriers in Tazewell County
In 2026, 6 carriers offer marketplace plans in Virginia Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, Wise counties. These carriers provide a range of plan types, including HMO, PPO, and EPO, to residents of Tazewell County. The confirmed carriers for this rating area are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Local Healthcare Resources in Tazewell County
Tazewell County, with a population of 39,624 and an uninsured rate of 4.1% per U.S. Census Bureau ACS 2024 5-year estimates, is served by two acute care hospitals. These facilities are integral to the local healthcare landscape and are important considerations when choosing a health insurance plan, especially regarding network access. The hospitals serving Tazewell County residents include:- Clinch Valley Medical Center (Richlands)
- Carilion Tazewell Community Hospital (Tazewell)
Making Your Health Insurance Decision in Tazewell County
Choosing the right HealthKeepers plan in Tazewell County involves evaluating your income, health needs, and preferred access to care.| Your Situation | Recommended Action | Details |
|---|---|---|
| Household Income < 138% FPL | Apply for Virginia Medicaid (FAMIS Plus) | You likely qualify for comprehensive, no-cost coverage. Apply via commonhelp.virginia.gov. |
| Household Income 100%–250% FPL | Enroll in a Silver-tier HealthKeepers plan | Eligible for both premium tax credits and cost-sharing reductions, providing significant savings on both premiums and out-of-pocket costs. |
| Household Income 250%–400% FPL | Consider Bronze, Silver, or Gold HealthKeepers plans | Eligible for premium tax credits. Evaluate your expected medical use; Silver or Gold may be better value if you anticipate frequent care. |
| Household Income > 400% FPL | Explore all HealthKeepers plan tiers | Not eligible for subsidies, but can still enroll in a Marketplace plan. Compare premiums, deductibles, and benefits carefully. |
Frequently Asked Questions
What types of HealthKeepers plans are available in Tazewell County, Virginia?
In Tazewell County, HealthKeepers offers a variety of health insurance plans through the Marketplace Virginia, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. These plans cater to different needs regarding network flexibility and cost-sharing.
Can I get financial assistance for HealthKeepers plans in Tazewell County?
Yes, individuals and families in Tazewell County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to lower their monthly health insurance costs. Those with incomes up to 250% FPL may also be eligible for cost-sharing reductions, which reduce out-of-pocket expenses like deductibles and copayments.
How does Virginia Medicaid (FAMIS Plus) work in Tazewell County?
Virginia expanded Medicaid in 2019, meaning adults in Tazewell County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid, also known as FAMIS Plus. This program provides comprehensive, no-cost health coverage. Pregnant women and children have higher income thresholds for FAMIS Moms (up to 200% FPL) and FAMIS (up to 200% FPL) or FAMIS Select (200-400% FPL).
Are PPO plans available through HealthKeepers on the Virginia Marketplace?
Yes, PPO plans are available on-exchange in Virginia, and HealthKeepers is one of the carriers that may offer them in Tazewell County. This means you have choices beyond just HMO and EPO plans when shopping for coverage through Marketplace Virginia (HealthCare.gov).