Oscar Health Insurance Options in Abingdon, Virginia

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

Oscar Health is one of 6 carriers offering marketplace health insurance plans in Abingdon, VA, for the 2026 plan year.
Abingdon residents can choose from HMO, PPO, and EPO plan types offered by Oscar Health and other carriers on Marketplace Virginia.
With a median household income of $54,544, many Abingdon households may qualify for significant subsidies to reduce premium costs.
Virginia Medicaid is expanded to 138% FPL, covering adults with incomes up to approximately $20,120 per year for an individual.

For residents of Abingdon, Virginia, seeking health insurance coverage for 2026, Oscar Health is a confirmed option available through Marketplace Virginia, the state's health insurance exchange. As part of Virginia Rating Area 6, which covers Washington County and nine other surrounding counties, Abingdon residents have access to a competitive marketplace. You can explore Oscar Health plans alongside offerings from five other carriers, with choices ranging across Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) structures. Understanding your income, health needs, and preferred doctor network will be key to selecting the right Oscar Health plan or comparing it with other available options to secure affordable and comprehensive coverage.

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What Oscar Health Plans Are Available in Abingdon, VA?

Oscar Health is one of the six health insurance carriers confirmed to offer plans in Virginia Rating Area 6 for the 2026 plan year. This means residents of Abingdon, as well as those in Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, and Wise counties, can choose from Oscar Health's various plan offerings on Marketplace Virginia (HealthCare.gov). Virginia's marketplace is robust, allowing shoppers to select from HMO, PPO, and EPO plan types. Oscar Health typically offers a range of these structures, providing flexibility in how you access care.

HMO (Health Maintenance Organization): These plans generally require you to choose a primary care provider (PCP) within the network and get referrals for specialists. They often have lower premiums and out-of-pocket costs.
PPO (Preferred Provider Organization): PPO plans offer more flexibility, allowing you to see out-of-network providers, often without a referral, though at a higher cost. Virginia's marketplace includes PPO options from carriers like HealthKeepers, Cigna, and United Healthcare, so you can compare Oscar Health's offerings against these.
EPO (Exclusive Provider Organization): EPOs combine elements of HMOs and PPOs. They typically don't require referrals for specialists but only cover services from providers within their network, except in emergencies.

When reviewing Oscar Health plans, pay close attention to the specific plan type, the network of doctors and hospitals included, and the cost-sharing structure (deductibles, copayments, coinsurance). The only hospital located in Washington County is Johnston Memorial Hospital in Abingdon, which may or may not be in-network with every plan.

Understanding Your Eligibility and Subsidies in Abingdon

Many Abingdon residents can significantly reduce the cost of health insurance through financial assistance available on Marketplace Virginia. These subsidies, known as Advance Premium Tax Credits (APTCs), are based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% of the FPL are eligible for premium subsidies. Enhanced subsidies are still in effect, making coverage even more affordable for many. For example, an individual in Abingdon with an income of $30,000 (around 200% FPL) would likely qualify for substantial premium assistance, making a Silver or Gold plan much more accessible. Virginia expanded Medicaid in 2019 (known as Virginia Medicaid Expansion or FAMIS Plus). This means adults with incomes up to 138% of the Federal Poverty Level may qualify for Medicaid. For an individual, this threshold is approximately $20,120 annually. If your income falls into this range, you may be eligible for comprehensive, low-cost or free health coverage through Virginia Medicaid, rather than a marketplace plan. To determine your exact eligibility for subsidies or Medicaid, you will need to provide accurate income and household information when you apply through Marketplace Virginia (HealthCare.gov) or commonhelp.virginia.gov for Medicaid.

Health Insurance Carriers in Abingdon

In 2026, 6 carriers offer marketplace plans in Virginia Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, and Wise counties. Abingdon residents can choose from plans offered by these insurers:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When comparing plans from Oscar Health and these other carriers, consider factors beyond just the premium. Look at the deductible, out-of-pocket maximum, copayments for common services, and whether your preferred doctors and Johnston Memorial Hospital are in-network. Abingdon, with a population of 8,330 and a 3.9% uninsured rate per U.S. Census Bureau ACS 2024 5-year estimates, benefits from this competitive market, offering diverse choices to its residents. Washington County, with a larger population of 53,926, also has an uninsured rate of 6.7%, highlighting the need for accessible coverage options.

Choosing the Right Oscar Health Plan or Alternative in Abingdon

Navigating health insurance options requires careful consideration of your personal circumstances. Here's a guide to help Abingdon residents make an informed decision:

Your Situation	Recommended Action	Key Considerations
Low Income (Below 138% FPL)	Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov.	You likely qualify for comprehensive, low-cost or free coverage. Medicaid covers adults up to 138% FPL.
Moderate Income (100%-250% FPL)	Explore Silver plans on Marketplace Virginia with Enhanced Subsidies.	You'll receive substantial premium subsidies and may qualify for Cost-Sharing Reductions (CSRs) on Silver plans, lowering deductibles and copays. Oscar Health and other carriers offer Silver plans.
Higher Income (250%-400% FPL, or above 400% with enhanced subsidies)	Compare Bronze, Silver, and Gold plans from Oscar Health and other carriers.	You'll receive premium subsidies. Bronze plans have lower premiums but higher out-of-pocket costs. Gold plans have higher premiums but lower out-of-pocket costs. Consider your expected healthcare usage.
Seeking Specific Doctors/Hospitals	Verify network inclusion for Oscar Health and other carriers.	Ensure your preferred providers, including Johnston Memorial Hospital, are in-network with your chosen plan. PPO plans offer more flexibility for out-of-network care.
Pregnant Women (Up to 200% FPL)	Apply for Virginia Medicaid (FAMIS Moms) through commonhelp.virginia.gov.	FAMIS Moms covers pregnant women up to 200% FPL, including prenatal care, delivery, and 12 months of postpartum care.
Children (Up to 200% FPL)	Apply for FAMIS (Family Access to Medical Insurance Security) through commonhelp.virginia.gov.	FAMIS provides coverage for uninsured children up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage.

Choosing a plan can be complex, especially with multiple carriers and plan types available. A licensed health insurance agent can provide free, personalized guidance, helping you compare Oscar Health options with other carriers, understand your subsidies, and complete the enrollment process.

Frequently Asked Questions

Can I get Oscar Health insurance through the Virginia marketplace?

Yes, Oscar Health is one of six confirmed carriers offering plans on Marketplace Virginia (HealthCare.gov) for residents in Abingdon and the surrounding Rating Area 6 for the 2026 plan year.

What types of plans does Oscar Health offer in Abingdon?

Oscar Health, along with other carriers in Virginia, offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the state marketplace, providing a range of network and cost-sharing structures.

How do I know if I qualify for subsidies to help pay for Oscar Health plans?

Eligibility for subsidies, known as Advance Premium Tax Credits (APTCs), is based on your household income relative to the Federal Poverty Level (FPL). You can qualify if your income is between 100% and 400% FPL, or even higher with the enhanced subsidies currently available. An agent can help you determine your exact eligibility.

Is Virginia Medicaid available for Abingdon residents?

Yes, Virginia expanded Medicaid in 2019 (FAMIS Plus), making it available to adults with household incomes up to 138% of the Federal Poverty Level. This means many Abingdon residents may qualify for comprehensive health coverage at little to no cost.

What hospitals are available in Abingdon, Virginia?

Washington County, where Abingdon is located, has one acute care hospital: Johnston Memorial Hospital. When selecting an Oscar Health plan or any other carrier's plan, it's important to verify if this hospital and your preferred doctors are within the plan's network.