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

Oscar Health Insurance in Centreville, Virginia

Oscar Health is one of 6 carriers confirmed to offer marketplace plans in Centreville, Virginia, for the 2026 plan year.
Centreville is part of Virginia Rating Area 1, which includes Fairfax County and 17 other counties and independent cities.
Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level (FPL), and pregnant women up to 200% FPL.
The uninsured rate in Centreville is 7.2%, slightly higher than Fairfax County's 7.1%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance in Centreville, Virginia, Oscar Health is a confirmed option for 2026 marketplace plans. As a resident of Centreville, located in Fairfax County, you have access to a variety of health plans through the Marketplace Virginia / HealthCare.gov platform. These plans are regulated by the Affordable Care Act (ACA) and offer comprehensive benefits, often with financial assistance to help reduce monthly premiums and out-of-pocket costs. Understanding your options, including plan types like Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO), is crucial for making an informed decision about your coverage.

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Understanding Oscar Health Plans in Centreville

Oscar Health is one of several insurance carriers providing coverage options to Centreville residents through the Virginia health insurance marketplace. These plans are designed to meet federal ACA standards, meaning they cover essential health benefits, including doctor visits, prescription drugs, hospitalization, and maternity care. When considering an Oscar Health plan, you'll evaluate factors like monthly premiums, deductibles, copayments, and the network of doctors and hospitals. Centreville, with a population of 71,706 and a median income of $139,510 per U.S. Census Bureau ACS 2024 5-year estimates, offers a dynamic environment for health coverage decisions. The overall uninsured rate for the city is 7.2%.

Health Insurance Carriers in Centreville

For 2026, Centreville residents in Virginia Rating Area 1 have access to plans from 6 confirmed health insurance carriers on the marketplace. This multi-county rating area covers Centreville, Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. The carriers offering plans in this area include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

These carriers offer a range of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans, allowing you to choose the structure that best fits your healthcare needs and budget. PPO plans ARE available on-exchange in Virginia, offering greater flexibility in provider choice.

Navigating Financial Assistance and Medicaid in Virginia

Many Centreville residents may qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies, known as Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), are available based on household income and size. You can apply for these subsidies when enrolling through Marketplace Virginia / HealthCare.gov. Virginia expanded its Medicaid program in 2019. This means that adults in Centreville with household incomes up to 138% of the Federal Poverty Level (FPL) may be eligible for Virginia Medicaid (FAMIS Plus). Unlike states that have not expanded Medicaid, Virginia residents within this income range do not fall into a coverage gap. Additionally, specific programs like FAMIS Moms cover pregnant women up to 200% FPL, providing comprehensive prenatal, delivery, and 12 months of postpartum care. Children in households up to 200% FPL are covered by FAMIS, with FAMIS Select offering low-cost options for children between 200% and 400% FPL. Applications for these programs can be submitted through commonhelp.virginia.gov.

Accessing Healthcare in Fairfax County

Centreville is located in Fairfax County, which is served by a robust network of hospitals and medical facilities. For Centreville residents, access to quality healthcare is important when selecting an insurance plan. The county's population is 1,147,837, with a median age of 39.1 years and a median income of $153,637, per U.S. Census Bureau ACS 2024 5-year estimates. Fairfax County is home to five acute care hospitals that provide a wide range of services:

Fort Belvoir Community Hospital (Fort Belvoir)
Inova Fairfax Hospital (Falls Church)
Inova Fair Oaks Hospital (Fairfax)
Reston Hospital Center (Reston)
Inova Mount Vernon Hospital (Alexandria)

When choosing an Oscar Health plan, it is advisable to verify that your preferred doctors and any necessary specialists, as well as these major hospital systems, are included in the plan's network.

Making Your Health Plan Decision in Centreville

Choosing the right health insurance plan, whether from Oscar Health or another carrier, involves evaluating your specific healthcare needs, financial situation, and preferred providers. Consider these steps:

Assess Your Budget: Determine how much you can comfortably afford for monthly premiums and potential out-of-pocket costs like deductibles and copayments.
Review Plan Types: Understand the differences between HMO, PPO, and EPO plans regarding network restrictions and referral requirements. Virginia offers all three on-exchange.
Check Provider Networks: Ensure your current doctors, specialists, and preferred hospitals (such as Inova Fairfax Hospital or Inova Fair Oaks Hospital) are in-network for any plan you consider.
Estimate Healthcare Usage: If you anticipate frequent doctor visits or specific medical needs, a plan with lower out-of-pocket costs (like a Gold or Silver plan) might be more cost-effective despite higher premiums.
Utilize Financial Assistance: If your income qualifies, apply for premium tax credits and cost-sharing reductions through Marketplace Virginia / HealthCare.gov to significantly lower your costs.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that meets your needs in Centreville. This professional assistance is typically free and can save you time and ensure you make an informed choice.

Frequently Asked Questions

Can I get Oscar Health insurance in Centreville, Virginia?

Yes, Oscar Health is one of six confirmed carriers offering marketplace health insurance plans in Centreville, Virginia, for the 2026 plan year. Centreville is located in Virginia Rating Area 1.

What types of Oscar Health plans are available in Centreville?

Oscar Health, along with other carriers in Virginia, typically offers a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options through the Marketplace Virginia / HealthCare.gov platform.

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

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, you may be eligible for a Special Enrollment Period. A licensed health insurance producer can assist you with the application process and help compare plans.

Does Virginia Medicaid cover Centreville residents?

Yes, Virginia expanded Medicaid in 2019. Adults in Centreville with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (FAMIS Plus). Pregnant women and children have higher income thresholds for eligibility.