How many health insurance carriers offer plans in Warrenton, Virginia?

In 2026, six health insurance carriers offer marketplace plans in Warrenton, Virginia, which is part of Rating Area 1. These carriers include CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare. You can compare their plans through Marketplace Virginia.

Can I get a PPO plan through the health insurance marketplace in Warrenton?

Yes, PPO plans are available on-exchange through Marketplace Virginia in Warrenton. In addition to Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, you can choose from PPO options offered by carriers like Cigna and United Healthcare, and HealthKeepers Plus PPO plans.

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

HealthKeepers Health Insurance in Warrenton, Virginia

Q: What are the income limits for Virginia Medicaid in Warrenton?

Virginia expanded Medicaid in 2019. Adults in Warrenton with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. For example, a single individual with an income around $20,783 per year would likely qualify in 2026.

In 2026, six health insurance carriers, including HealthKeepers, offer marketplace plans in Warrenton, Virginia's Rating Area 1.
Warrenton residents with household incomes between 100% and 400% FPL may qualify for significant federal subsidies to reduce monthly premiums.
Virginia Medicaid covers adults up to 138% FPL and pregnant women up to 200% FPL, providing comprehensive, low-cost coverage.
Marketplace Virginia offers a range of plan types in Warrenton, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans.

For residents of Warrenton, Virginia, seeking health insurance, HealthKeepers is one of several key carriers offering plans through Marketplace Virginia, the state's health insurance exchange operating on the federal platform (HealthCare.gov). Understanding your options, eligibility for financial assistance, and local provider networks is crucial for making an informed decision about your 2026 health coverage. This guide will help you navigate the marketplace plans available in Warrenton, including those from HealthKeepers, explain how subsidies work, and outline Medicaid eligibility in Fauquier County.

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What Health Insurance Plans Are Available in Warrenton?

In Warrenton, Virginia, health insurance shoppers can choose from a variety of plans offered by multiple carriers through Marketplace Virginia. These plans come in different structures, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. PPO plans are indeed available on-exchange in Virginia, offering greater flexibility in choosing providers compared to HMOs or EPOs. All plans must cover essential health benefits, including doctor visits, hospital care, prescription drugs, and mental health services. Plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—to help you compare costs and coverage levels:

Bronze plans: These plans have the lowest monthly premiums but the highest out-of-pocket costs, making them suitable for those who anticipate minimal medical care or want protection against catastrophic events.
Silver plans: Offering moderate premiums and moderate out-of-pocket costs, Silver plans are unique because they are eligible for Cost-Sharing Reductions (CSRs) for individuals and families with incomes up to 250% of the Federal Poverty Level. This makes them a strong value for those who qualify.
Gold plans: With higher monthly premiums, Gold plans provide lower out-of-pocket costs when you need care. They are ideal for individuals who expect to use medical services frequently and prefer predictable costs.
Platinum plans: These plans have the highest premiums but the lowest deductibles and copayments, covering a large portion of your medical expenses. They are best for those with significant ongoing medical needs.

Understanding Financial Assistance and Virginia Medicaid in Fauquier County

Many Warrenton residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms:

Premium Tax Credits (Subsidies): These credits reduce your monthly premium payments and are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). The 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): Available exclusively with Silver plans, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. You can qualify for CSRs if your income is up to 250% FPL.

Virginia expanded its Medicaid program in 2019, significantly broadening eligibility. Adults in Warrenton and Fauquier County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. This means individuals earning approximately $20,783 or less per year (for a single person in 2026) could receive comprehensive health coverage with no monthly premium. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children in families with incomes up to 200% FPL may qualify for FAMIS (Family Access to Medical Insurance Security). For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options. Applications for these programs can be submitted through commonhelp.virginia.gov.

Health Insurance Carriers in Warrenton

In 2026, six health insurance carriers offer marketplace plans in Warrenton, Virginia. Warrenton is located in Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, Warren counties. The confirmed carriers for this rating area are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

HealthKeepers, a prominent insurer in the region, offers a range of plan types, including HMO and PPO options, through Marketplace Virginia. When comparing plans, consider not only the monthly premium but also the deductible, copayments, coinsurance, and whether your preferred doctors and hospitals, such as Fauquier Hospital, are in-network for each plan.

Choosing the Right Health Plan in Warrenton

Selecting the best health insurance plan in Warrenton depends on your individual health needs, financial situation, and preferred access to care. Consider these factors when making your decision:

Anticipated Medical Use: If you expect frequent doctor visits or have ongoing medical conditions, a Gold or Platinum plan with higher premiums but lower out-of-pocket costs might save you money in the long run. If you are generally healthy, a Bronze plan with a lower premium could be more cost-effective.
Budget for Premiums vs. Out-of-Pocket: Balance the monthly premium you can afford with the amount you're willing to pay when you receive care (deductibles, copays, coinsurance).
Provider Network: Check if your current doctors, specialists, and local hospitals like Fauquier Hospital are included in the plan's network. Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans typically have more restricted networks than Preferred Provider Organization (PPO) plans.
Financial Assistance: If your income falls within the subsidy eligibility range (100-400% FPL), ensure you apply for Premium Tax Credits. If your income is below 250% FPL, strongly consider a Silver plan to benefit from Cost-Sharing Reductions.

For Warrenton residents, Fauquier County's single acute care hospital, Fauquier Hospital, provides essential services. The town of Warrenton has a population of 10,176 and an uninsured rate of 6.0%, per U.S. Census Bureau ACS 2024 5-year estimates. This is slightly lower than the county's uninsured rate of 6.2%, indicating that many residents have access to coverage, whether through employers, the marketplace, or Medicaid.

Frequently Asked Questions

How can I apply for health insurance in Warrenton?

You can apply for health insurance through Marketplace Virginia, which uses HealthCare.gov. You can also get assistance from a licensed health insurance agent who can help you compare plans, check your subsidy eligibility, and enroll at no cost to you.

What is the difference between an HMO, PPO, and EPO plan in Virginia?

In Virginia, a Health Maintenance Organization (HMO) plan generally requires you to choose a primary care provider (PCP) and get referrals for specialists within a specific network. A Preferred Provider Organization (PPO) plan offers more flexibility, allowing you to see out-of-network providers for a higher cost and typically not requiring referrals. An Exclusive Provider Organization (EPO) plan is similar to an HMO in that it only covers care from providers in its network, but you may not need a PCP referral for specialists. PPO and EPO plans are both available on-exchange in Warrenton.

Can I enroll in a health plan outside of the Open Enrollment Period?

Generally, you can only enroll during the annual Open Enrollment Period, which typically runs from November 1 to January 15. However, if you experience a Qualifying Life Event (QLE) such as marriage, birth of a child, loss of other coverage, or moving to a new area, you may qualify for a Special Enrollment Period (SEP) to enroll or change your plan outside of Open Enrollment.