Is Oscar Health insurance available in Bedford, Virginia?

Yes, Oscar Health is one of six carriers offering marketplace health insurance plans in Rating Area 5, which includes Bedford, Virginia, for the 2026 plan year. You can compare their plans with other local carriers through Marketplace Virginia.

Can I get financial assistance for Oscar Health plans in Bedford?

Yes, individuals and families in Bedford may qualify for subsidies (tax credits) to lower their monthly premiums and out-of-pocket costs when enrolling in an Oscar Health plan through Marketplace Virginia. Eligibility is based on household income relative to the Federal Poverty Level.

Where can I receive care with an Oscar Health plan in Bedford County?

Oscar Health plans utilize a network of doctors and hospitals. In Bedford County, Centra Bedford Memorial Hospital is a key acute care facility. When choosing a plan, it's essential to verify if your preferred doctors and hospitals, including Centra Bedford Memorial Hospital, are in Oscar Health's network.

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

Oscar Health Insurance Plans in Bedford, Virginia

Q: What types of Oscar Health plans can I find in Bedford?

In Virginia, Oscar Health and other carriers offer various plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the Marketplace. Specific availability depends on the plan year and your exact location within Bedford.

Oscar Health is one of 6 carriers offering marketplace plans in Bedford, Virginia's Rating Area 5 for 2026.
Marketplace Virginia offers HMO, PPO, and EPO plans, allowing for a wide range of coverage choices.
Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level.
Bedford, Virginia, has a population of 7,724 and an uninsured rate of 8.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Bedford, Virginia, can feel complex, but understanding your choices, especially with carriers like Oscar Health, is straightforward. For 2026, residents of Bedford can access Oscar Health plans alongside offerings from five other carriers through Marketplace Virginia. These plans come in various structures, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans, ensuring a range of options to fit different needs and budgets. Financial assistance in the form of subsidies is available for many individuals and families, significantly reducing the cost of coverage.

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What Oscar Health Plans Are Available in Bedford, Virginia?

Oscar Health is a confirmed carrier participating in Virginia's health insurance marketplace for 2026, serving Bedford and the broader Rating Area 5. When you explore plans through Marketplace Virginia, you will find a selection of Oscar Health plans designed to meet various healthcare needs. Like other carriers in the state, Oscar Health may offer plans across different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers categorize plans by how they split costs with you, with Bronze plans having lower premiums and higher out-of-pocket costs, and Gold/Platinum plans having higher premiums but lower out-of-pocket expenses. Virginia is unique in that PPO plans ARE available on-exchange through Marketplace Virginia, alongside HMO and EPO options. This provides greater flexibility for residents who may prefer the broader network access often associated with PPO plans. When evaluating Oscar Health plans, it is important to consider the plan type, its network of providers, and how it aligns with your expected healthcare usage.

Understanding Health Insurance Costs in Bedford

The cost of health insurance in Bedford, Virginia, depends on several factors, including your age, household income, the plan's metal tier (Bronze, Silver, Gold, Platinum), and the number of people covered. Many Bedford residents qualify for financial assistance, known as premium tax credits, which can significantly lower your monthly premiums when you enroll through Marketplace Virginia. For those with incomes between 100% and 250% of the Federal Poverty Level (FPL), enhanced subsidies are available for Silver plans, which can drastically reduce your deductibles, copayments, and out-of-pocket maximums. This makes Silver plans a particularly strong value for many individuals and families in Bedford.

Example Monthly Premiums (Illustrative, 2026)

These are illustrative monthly premiums for a 40-year-old non-smoker in Bedford, Virginia, before any subsidies. Actual costs will vary based on your specific situation and chosen plan.

Metal Tier	Estimated Monthly Premium Range	Typical Deductible Range
Bronze	$280 - $350	$6,000 - $9,000
Silver	$350 - $480	$3,000 - $6,000
Gold	$450 - $600	$1,500 - $3,000

To get an accurate quote tailored to your specific circumstances and to see how much you can save with subsidies, it's best to use the official Marketplace Virginia website or consult with a licensed health insurance producer.

Virginia Medicaid and FAMIS Programs for Bedford Residents

Virginia expanded its Medicaid program in 2019, meaning more adults in Bedford and across the state now qualify for comprehensive, low-cost health coverage. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may be eligible for Virginia Medicaid (also known as FAMIS Plus). This program provides extensive benefits, often with no monthly premiums or out-of-pocket costs. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal care, labor and delivery, and an extended 12 months of postpartum care. Children in households with incomes up to 200% FPL can qualify for FAMIS (Family Access to Medical Insurance Security) for uninsured children, while FAMIS Select offers low-cost coverage for children between 200% and 400% FPL. Applications for these programs can be submitted through commonhelp.virginia.gov.

Health Insurance Carriers in Bedford

For the 2026 plan year, residents of Bedford, Virginia, have several choices for marketplace health insurance. In 2026, 6 carriers offer marketplace plans in Rating Area 5, which covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe counties. These carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When selecting a plan, it's important to compare not only the premiums but also the network of doctors and hospitals, the deductible, copayments, and the overall out-of-pocket maximum. Bedford County, with a population of 80,894 and an uninsured rate of 5.7% per U.S. Census Bureau ACS 2024 5-year estimates, is served by Centra Bedford Memorial Hospital as its primary acute care facility. It is advisable to confirm that your preferred healthcare providers, including Centra Bedford Memorial Hospital, are in-network with your chosen plan.

Making the Right Health Insurance Decision in Bedford

Choosing the best health insurance plan in Bedford involves assessing your healthcare needs, budget, and eligibility for financial assistance. Here's a general guide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This is often the most comprehensive and affordable option. Apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are likely eligible for significant premium tax credits through Marketplace Virginia. Consider Silver plans for enhanced cost-sharing reductions if your income is below 250% FPL, as these plans offer the best value by lowering your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase plans through Marketplace Virginia at full price. Compare Bronze, Silver, and Gold plans to find the best balance between premium and potential out-of-pocket costs. Bronze plans offer lower premiums but higher deductibles, suitable for those who expect minimal medical care.

Remember to consider whether your preferred doctors and hospitals, such as Centra Bedford Memorial Hospital, are included in the plan's network. A licensed health insurance producer can provide personalized guidance, help you compare plans from Oscar Health and other carriers, and assist with the enrollment process at no cost to you.

Frequently Asked Questions

Is Oscar Health a good insurance company in Virginia?

Oscar Health is one of six carriers offering plans in Bedford, Virginia's Rating Area 5 for 2026. "Good" is subjective and depends on individual needs. It's recommended to compare Oscar Health's specific plan offerings, network, and costs against other carriers like CareFirst BlueChoice, Cigna, HealthKeepers, Sentara Health Plans, and United Healthcare to find the best fit for your situation.

What is Rating Area 5 in Virginia?

Rating Area 5 is a specific geographic region in Virginia that includes Bedford and 18 other counties: Alleghany, Bath, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe. Health insurance premiums are standardized within a rating area, meaning a given plan will have the same base premium across all locations within that area, before individual factors like age or subsidies are applied.

Can I enroll in an Oscar Health plan outside of Open Enrollment?

You can typically only enroll in or change an Oscar Health plan during the annual Open Enrollment Period. However, certain Qualifying Life Events (QLEs) like getting married, having a baby, losing other coverage, or moving to a new rating area can trigger a Special Enrollment Period (SEP), allowing you to enroll outside of Open Enrollment.

What is the uninsured rate in Bedford, Virginia?

According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Bedford, Virginia, is 8.2%. This figure is higher than the uninsured rate for Bedford County as a whole, which stands at 5.7%. Understanding these demographics helps highlight the importance of accessible health insurance options in the community.