Oscar Health Insurance Plans in Bristow, Virginia

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

Oscar Health is one of 6 carriers offering marketplace plans in Bristow, Virginia for the 2026 plan year.
Bristow is located in Virginia Rating Area 1, which covers 18 counties including Prince William County.
Virginia residents with incomes up to 138% FPL may qualify for Virginia Medicaid (FAMIS Plus).
For those not eligible for Medicaid, subsidies can lower Oscar Health plan premiums for incomes between 100% and 400% FPL.

If you're looking for health insurance in Bristow, Virginia, Oscar Health offers a range of plans through Marketplace Virginia (HealthCare.gov) for the 2026 plan year. Residents of Bristow, located in Prince William County, have access to plans from Oscar Health and five other carriers. These plans include various metal tiers (Bronze, Silver, Gold) and network types such as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, ensuring a diverse selection to meet different healthcare needs and budgets.

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What Oscar Health Plans Are Available in Bristow, Virginia?

Oscar Health is a confirmed carrier offering individual and family health insurance plans in Bristow, Virginia for 2026. As a resident of Bristow, you can explore Oscar Health's offerings alongside other local carriers through Marketplace Virginia, the state-based marketplace that uses the federal platform (HealthCare.gov). These plans adhere to the Affordable Care Act (ACA) guidelines, meaning they cover essential health benefits, cannot deny coverage due to pre-existing conditions, and offer financial assistance to eligible individuals. Virginia's health insurance marketplace includes HMO, PPO, and EPO plan types. PPO plans are available on-exchange in Virginia, providing more flexibility in choosing healthcare providers compared to HMOs, which typically require you to stay within a specific network and get referrals for specialists. Oscar Health's specific plan types and network structures in Bristow can be reviewed directly on the Marketplace Virginia website, where you can compare benefits, deductibles, and out-of-pocket costs across all available options.

Understanding Your Eligibility and Financial Assistance in Bristow

Many Bristow residents can significantly reduce their health insurance costs through financial assistance programs. Eligibility for these programs is primarily based on household income relative to the Federal Poverty Level (FPL).

Virginia Medicaid (FAMIS Plus)

Virginia expanded its Medicaid program in 2019. This means that adults in Bristow with household incomes up to 138% of the Federal Poverty Level may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides comprehensive health coverage at little to no cost, covering a wide range of medical services. Unlike some other states, Virginia does not have a "coverage gap" for this income range, ensuring that eligible low-income adults have access to essential healthcare. 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 households up to 200% FPL can qualify for FAMIS (Family Access to Medical Insurance Security), with FAMIS Select offering low-cost coverage for children between 200% and 400% FPL. You can apply for these programs through commonhelp.virginia.gov.

ACA Subsidies (Advance Premium Tax Credits and Cost-Sharing Reductions)

If your income is above the Medicaid threshold but falls between 100% and 400% of the FPL, you may qualify for Advance Premium Tax Credits (APTCs). These subsidies directly reduce your monthly premium payments for plans purchased through Marketplace Virginia. The amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. Additionally, individuals with incomes up to 250% FPL who enroll in a Silver plan may be eligible for Cost-Sharing Reductions (CSRs). CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance, making healthcare more affordable when you need it. Oscar Health plans, like all marketplace plans, are eligible for these subsidies.

Health Insurance Carriers in Bristow

Bristow, Virginia is part of Virginia Rating Area 1, which covers a total of 18 counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing Bristow residents with a variety of choices. 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 premiums but also network access, deductibles, and out-of-pocket maximums. Bristow, Virginia, located in Prince William County, has a population of 488,880, with a median income of $131,402 and an uninsured rate of 10.0%, per U.S. Census Bureau ACS 2024 5-year estimates. Prince William County is served by two acute care hospitals: Sentara Northern Virginia Medical Center in Woodbridge and Uva Health Haymarket Medical Center in Haymarket.

Making Your Health Plan Decision in Bristow

Choosing the right health insurance plan involves considering your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you decide:

If your income is below 138% FPL: Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov. This is the most comprehensive and lowest-cost option for eligible low-income individuals.
If your income is between 100% and 250% FPL: Consider a Silver plan through Marketplace Virginia. You will likely qualify for both Advance Premium Tax Credits to lower your premiums and Cost-Sharing Reductions to reduce your out-of-pocket costs. This combination often provides the best value.
If your income is between 250% and 400% FPL: Explore Bronze, Silver, or Gold plans, utilizing Advance Premium Tax Credits to lower your premiums. Bronze plans have lower premiums but higher deductibles, while Gold plans have higher premiums but lower out-of-pocket costs when you use care.
If your income is above 400% FPL: You can still purchase plans through Marketplace Virginia, but you will not qualify for subsidies. You may also explore off-marketplace plans directly from carriers, though these generally offer similar benefits without the subsidy mechanism.

A licensed health insurance producer can provide personalized guidance, helping you navigate the options available from Oscar Health and other carriers in Bristow. They can assist you in comparing plans, understanding your eligibility for subsidies, and completing the enrollment process, all at no cost to you.

Frequently Asked Questions

Does Oscar Health offer plans in Bristow, Virginia?

Yes, Oscar Health is one of 6 carriers offering marketplace plans in Bristow, Virginia's Rating Area 1 for the 2026 plan year. Residents can enroll in Oscar Health plans through Marketplace Virginia (HealthCare.gov).

What types of Oscar Health plans are available in Bristow?

In Bristow, Oscar Health, along with other carriers, offers health plans across various metal tiers (Bronze, Silver, Gold) with different structures, including HMO, PPO, and EPO options. The specific types of plans offered by Oscar Health can be viewed on Marketplace Virginia (HealthCare.gov).

Can I get a subsidy for an Oscar Health plan in Bristow?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level, you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for an Oscar Health plan. Cost-sharing reductions are also available for those enrolling in Silver plans with incomes up to 250% FPL.

How do I enroll in an Oscar Health plan in Bristow?

You can enroll in an Oscar Health plan during the annual Open Enrollment Period through Marketplace Virginia (HealthCare.gov). If you experience a qualifying life event, such as moving to Bristow, marriage, or having a baby, you may be eligible for a Special Enrollment Period.