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

Oscar Health Insurance in Carroll County, Virginia

Oscar Health is one of 6 health insurance carriers offering plans in Carroll County's Rating Area 5 for 2026.
Marketplace Virginia (HealthCare.gov) offers HMO, PPO, and EPO plans, allowing for diverse coverage choices in Carroll County.
Carroll County residents with incomes up to 400% FPL may qualify for significant subsidies to reduce Oscar Health plan costs.
Virginia Medicaid is available for adults with incomes up to 138% FPL, and pregnant women and children up to 200% FPL.
Carroll County has a population of 29,157 and an uninsured rate of 9.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Carroll County, Virginia, can feel complex, but residents have clear choices, including plans from Oscar Health. For 2026, Oscar Health is among the 6 carriers providing health insurance coverage through Marketplace Virginia (HealthCare.gov) for individuals and families in Rating Area 5, which includes Carroll County. These plans comply with the Affordable Care Act (ACA), offering comprehensive benefits and preventing denials based on pre-existing conditions. Financial assistance is widely available to make these plans more affordable, with many Carroll County households qualifying for subsidies to lower their monthly premiums and out-of-pocket expenses.

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What Oscar Health Plans Are Available in Carroll County, Virginia?

Oscar Health offers a range of health insurance plans designed to meet different needs and budgets, available to residents of Carroll County through Marketplace Virginia (HealthCare.gov). In Virginia, marketplace shoppers can choose from various plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) structures. PPO plans are indeed available on-exchange in Virginia, providing more flexibility in choosing healthcare providers compared to HMOs or EPOs. When selecting an Oscar Health plan, you will also consider metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs:

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are suitable for individuals who expect minimal healthcare use or want protection against catastrophic medical events.
Silver plans offer moderate premiums and out-of-pocket costs. They are a popular choice, especially because they are the only tier eligible for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and coinsurance for those who qualify based on income.
Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket maximums, meaning more costs are covered by the plan. These are ideal for individuals who anticipate more frequent medical care.

Oscar Health's plans, regardless of tier, cover essential health benefits such as doctor visits, hospital care, prescription drugs, mental health services, and preventive care, all without a copayment.

Understanding Financial Assistance for Oscar Health in Carroll County

Many Carroll County residents can significantly reduce the cost of their Oscar Health plan through financial assistance available on Marketplace Virginia (HealthCare.gov). These subsidies are crucial for making health insurance affordable.

Premium Tax Credits (APTC)

Advanced Premium Tax Credits (APTC) help lower your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL) and your family size. In Virginia, individuals and families earning up to 400% FPL can qualify for these credits. For example, a single person in Carroll County earning up to approximately $58,320 per year (400% FPL in 2026) could receive premium subsidies.

Cost-Sharing Reductions (CSRs)

Cost-Sharing Reductions are additional subsidies that lower the amount you have to pay out of pocket for deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are for individuals with incomes up to 250% FPL. If your income falls within this range, choosing a Silver plan is highly recommended, as it provides enhanced benefits that significantly reduce your financial exposure when you use healthcare services.

Virginia Medicaid and FAMIS Programs for Carroll County Residents

Virginia has expanded its Medicaid program, known as Virginia Medicaid Expansion or FAMIS Plus, making comprehensive, low-cost health coverage available to more residents of Carroll County. Adults in Virginia with household incomes up to 138% of the Federal Poverty Level may qualify for Medicaid. For a single individual, this means an income of approximately $20,120 in 2026. Unlike some states, Virginia does not have a "coverage gap" for those below 100% FPL. If your income is below the subsidy threshold for marketplace plans, you may qualify for Virginia Medicaid. Additionally, Virginia offers robust programs for pregnant women and children:

FAMIS Moms: This program provides comprehensive coverage for pregnant women with household incomes up to 200% FPL. Coverage includes prenatal care, labor and delivery, and an extended 12 months of postpartum care. Applications can be submitted through commonhelp.virginia.gov.
FAMIS (Family Access to Medical Insurance Security): Uninsured children in households with incomes up to 200% FPL can qualify for FAMIS. For children in families with incomes between 200% and 400% FPL, FAMIS Select offers low-cost health insurance options.

Health Insurance Carriers in Carroll County

Carroll County is part of Virginia Rating Area 5, which covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, Wythe counties. In 2026, 6 carriers offer marketplace plans in Rating Area 5, providing a competitive market for residents. The confirmed local carriers for Carroll County in 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

These carriers offer a variety of HMO, PPO, and EPO plans across different metal tiers, allowing you to compare options and find the best fit for your healthcare needs and budget.

Healthcare Landscape in Carroll County, Virginia

Carroll County, with a population of 29,157 and a median age of 49.4 years, is a rural area within Virginia Rating Area 5. The county's median income is $54,484, and it has a poverty rate of 15.3%, with an uninsured rate of 9.0%, per U.S. Census Bureau ACS 2024 5-year estimates. Carroll County has no acute care hospitals within its boundaries, meaning residents needing acute care typically travel to neighboring counties within the multi-county Rating Area 5 for hospital services. Understanding the local healthcare landscape and available carriers like Oscar Health is crucial for residents to secure appropriate coverage.

Choosing Your Oscar Health Plan in Carroll County

When selecting an Oscar Health plan or comparing it with other carriers in Carroll County, consider these factors:

Budget: Evaluate your monthly premium tolerance against potential out-of-pocket costs (deductibles, copays, coinsurance). Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs.
Healthcare Needs: If you anticipate frequent doctor visits or have ongoing medical conditions, a Gold or Silver plan with CSRs might be more cost-effective in the long run. If you are generally healthy, a Bronze plan might suffice for catastrophic coverage.
Doctor and Hospital Access: Check if your preferred doctors and specialists are in Oscar Health's network. For Carroll County residents, who often travel for acute care, understanding network coverage for facilities in neighboring counties is especially important.
Prescription Drug Coverage: Review the formulary to ensure your necessary medications are covered and understand their cost-sharing structure.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans with those from other carriers, understand subsidy eligibility, and navigate the enrollment process on Marketplace Virginia (HealthCare.gov) at no additional cost to you.

Frequently Asked Questions

Is Oscar Health insurance available in Carroll County, Virginia?

Yes, Oscar Health is one of 6 carriers offering health insurance plans on Marketplace Virginia (HealthCare.gov) for residents of Carroll County in 2026. This means you can compare Oscar Health plans alongside other options during open enrollment.

What types of Oscar Health plans are offered in Carroll County?

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. You can choose the structure that best fits your healthcare needs and budget.

Can I get financial help to pay for Oscar Health plans in Carroll County?

Yes, many Carroll County residents qualify for financial assistance, known as subsidies, to lower their monthly premiums and out-of-pocket costs. These subsidies are available through Marketplace Virginia (HealthCare.gov) and are based on your household income and family size. Individuals and families earning up to 400% of the Federal Poverty Level are typically eligible.

What is the uninsured rate in Carroll County, Virginia?

Carroll County has an uninsured rate of 9.0%, according to U.S. Census Bureau ACS 2024 5-year estimates. This figure is slightly below the state average, but still highlights the importance of securing health coverage through options like Oscar Health or Virginia Medicaid.