Oscar Health Insurance in Brunswick County, Virginia
- Oscar Health is one of 6 carriers offering Marketplace plans in Brunswick County for 2026.
- Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level.
- Brunswick County has a population of 15,841, with an uninsured rate of 5.5%, per U.S. Census Bureau ACS 2024 5-year estimates.
- Marketplace Virginia / HealthCare.gov offers financial subsidies for those between 100-400% FPL, reducing monthly premiums.
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How to Find Oscar Health Plans in Brunswick County
Oscar Health offers health insurance plans to residents of Brunswick County through Marketplace Virginia / HealthCare.gov. To find and enroll in an Oscar Health plan, you will need to apply during the annual Open Enrollment Period or qualify for a Special Enrollment Period due to a life event such as moving, losing other coverage, getting married, or having a baby. When searching for plans on the marketplace, you can filter by carrier to see the specific Oscar Health options available in Brunswick County. Virginia's marketplace includes a range of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans, allowing for diverse choices to fit different healthcare needs and preferences.Understanding Your Coverage Options in Brunswick County
Choosing a health insurance plan involves considering several factors, including monthly premiums, deductibles, out-of-pocket maximums, and the network of doctors and hospitals. In Brunswick County, residents will find plans structured as HMOs, PPOs, and EPOs, each with different rules for seeing specialists and out-of-network care. PPO plans, which typically offer more flexibility in choosing providers, are available on-exchange in Virginia, alongside HMO and EPO options. It is important to compare the benefits and costs of each plan tier—Bronze, Silver, Gold, and Platinum—to find one that aligns with your health needs and budget.Medicaid and CHIP Eligibility in Virginia
Virginia expanded its Medicaid program in 2019 (Virginia Medicaid Expansion / FAMIS Plus), making coverage available to adults with incomes up to 138% of the Federal Poverty Level (FPL). For a single individual, this means an income of approximately $20,783 per year in 2026. If your income falls within this range, you may qualify for comprehensive, low-cost health coverage through Virginia Medicaid. 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. Applications for these programs can be submitted through commonhelp.virginia.gov.Financial Assistance for Health Insurance in Brunswick County
Many residents of Brunswick County qualify for financial assistance to lower the cost of their health insurance. Premium tax credits, which reduce your monthly premium, are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level. For example, a single person earning between approximately $15,060 and $60,240 in 2026 may be eligible. Cost-sharing reductions are also available to those with incomes up to 250% FPL (approximately $37,650 for an individual), which lower out-of-pocket costs like deductibles, copayments, and coinsurance when enrolling in a Silver-tier plan. These subsidies can significantly reduce your healthcare expenses.| Household Size | 100% FPL (Approx. Annual) | 138% FPL (Approx. Annual) | 250% FPL (Approx. Annual) | 400% FPL (Approx. Annual) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,631 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
Health Insurance Carriers in Brunswick County
In 2026, 6 carriers offer marketplace plans in Rating Area 8, which covers Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, Westmoreland, Winchester counties. Residents of Brunswick County can choose from the following confirmed carriers:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Plan Decision in Brunswick County
Choosing the right health insurance plan, whether from Oscar Health or another carrier, depends on your individual circumstances.- If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive coverage with minimal or no premiums.
- If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits to lower your monthly costs on Marketplace Virginia / HealthCare.gov. Consider a Silver plan for potential cost-sharing reductions if your income is below 250% FPL.
- If your income is above 400% FPL: You can still purchase plans through Marketplace Virginia / HealthCare.gov at full price, or explore off-marketplace options directly from carriers.
Frequently Asked Questions
Can I get Oscar Health insurance in Brunswick County, Virginia?
Yes, Oscar Health is one of six confirmed carriers offering health insurance plans on the Marketplace Virginia / HealthCare.gov platform in Rating Area 8, which includes Brunswick County, for the 2026 plan year.
What types of plans does Oscar Health offer in Brunswick County?
In Virginia, marketplace shoppers can choose from HMO, PPO, and EPO plan structures. Oscar Health typically offers HMO plans, but specific plan types and benefits vary, so it's important to review the details for 2026 on Marketplace Virginia / HealthCare.gov.
How do I enroll in an Oscar Health plan in Brunswick County?
You can enroll in an Oscar Health plan through Marketplace Virginia / HealthCare.gov during the annual Open Enrollment Period. If you experience a qualifying life event, such as moving, getting married, or having a baby, you may be eligible for a Special Enrollment Period. A licensed health insurance producer can assist you with the application process at no cost.
Is financial assistance available for Oscar Health plans in Brunswick County?
Yes, individuals and families in Brunswick County may qualify for premium tax credits and cost-sharing reductions based on their income. These subsidies can significantly lower the monthly premiums and out-of-pocket costs for plans purchased through Marketplace Virginia / HealthCare.gov.