Oscar Health Insurance in Chesterfield, VA
- Oscar Health is one of 6 carriers offering marketplace plans in Chesterfield, Virginia's Rating Area 3 for 2026.
- Virginia residents can choose from HMO, PPO, and EPO plan types on HealthCare.gov, with potential subsidies.
- Individuals and families with incomes between 100% and 400% FPL may qualify for significant financial assistance.
- Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women up to 200% FPL (FAMIS Moms).
- Chesterfield County, with a population of 377,869 and a 6.5% uninsured rate, is served by Bon Secours St Francis Medical Center.
For residents of Chesterfield, Virginia, navigating health insurance options involves understanding local availability, plan types, and financial assistance. Oscar Health is a key provider in the region, offering plans through HealthCare.gov. In 2026, Oscar Health is among six insurance carriers participating in Virginia's Rating Area 3, which encompasses Chesterfield and several surrounding counties. This means residents have access to various plan designs, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, all eligible for federal subsidies based on income.
Get Your Free Health Insurance Quote
A licensed agent can compare coverage options for you at no cost.
You're all set!
A licensed agent will reach out shortly.
What Oscar Health Insurance Plans Are Available in Chesterfield?
Oscar Health offers a range of health insurance plans on HealthCare.gov for residents of Chesterfield, Virginia. As part of Virginia's state-based marketplace using the federal platform, consumers in Rating Area 3 can select from various metal tiers: Bronze, Silver, Gold, and Platinum. Each tier provides different levels of cost-sharing, with Bronze plans typically having lower monthly premiums and higher out-of-pocket costs, while Gold and Platinum plans feature higher premiums but lower costs when you receive care.
Virginia's marketplace is robust, and unlike some states, it offers PPO plans in addition to HMO and EPO options. Oscar Health's specific offerings will detail whether their plans utilize an HMO, PPO, or EPO network structure. When comparing plans, it is important to consider the network type and whether your preferred doctors and local facilities, such as Bon Secours St Francis Medical Center in Midlothian, are included in Oscar Health's network for your chosen plan.
Understanding Financial Assistance for Oscar Health Plans in Chesterfield
Many Chesterfield residents qualify for financial assistance to make Oscar Health plans more affordable. These subsidies, which include premium tax credits and cost-sharing reductions, are available through HealthCare.gov. Eligibility is primarily based on household income relative to the Federal Poverty Level (FPL) and family size.
- Premium Tax Credits: These credits reduce your monthly premium payment. For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for significant tax credits.
- Cost-Sharing Reductions (CSRs): Available exclusively with Silver-tier plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is between 100% and 250% FPL.
For those below 138% FPL, Virginia has expanded Medicaid (Virginia Medicaid Expansion / FAMIS Plus), meaning adults in this income bracket may qualify for comprehensive, low-cost health coverage directly through the state. This eliminates the "coverage gap" that exists in non-expansion states.
Health Insurance Carriers in Chesterfield
In 2026, six carriers offer marketplace plans in Rating Area 3, which covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. Residents of Chesterfield have a strong selection of insurers to choose from when shopping for health insurance on HealthCare.gov. The confirmed carriers for this rating area are:
- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Each of these carriers provides a variety of plan types and metal tiers. When evaluating options, it is important to compare not only premiums but also deductibles, out-of-pocket maximums, and the specific provider networks to ensure your healthcare needs are met.
Local Healthcare Landscape in Chesterfield, Virginia
Chesterfield, Virginia, part of Chesterfield County, is a vibrant community with a population of 377,869, per U.S. Census Bureau ACS 2024 5-year estimates. The county has a median income of $101,931 and an uninsured rate of 6.5%, significantly lower than the national average. Residents rely on local facilities for their healthcare needs. Chesterfield County is home to Bon Secours St Francis Medical Center in Midlothian, an acute care hospital that serves the area. When selecting an Oscar Health plan, it is important to verify that your preferred local providers and specialists are within the plan's network to ensure seamless access to care.
Enrollment Options and Deadlines in Chesterfield
Enrolling in an Oscar Health plan in Chesterfield, Virginia, primarily occurs during the annual Open Enrollment Period (OEP). This period typically runs from November 1st to January 15th each year, though specific dates can vary slightly. During OEP, anyone can apply for new coverage or change their existing plan without needing a qualifying life event.
Outside of OEP, you may still be able to enroll if you experience a Special Enrollment Period (SEP). Common qualifying life events that trigger an SEP include:
- Losing existing health coverage (e.g., due to job loss, aging off a parent's plan)
- Getting married or divorced
- Having a baby or adopting a child
- Moving to a new rating area where new plans are available
- Changes in income that affect subsidy eligibility
If you believe you qualify for an SEP, it is important to act quickly, as most SEPs require you to enroll within 60 days of the qualifying event.
Virginia Medicaid and FAMIS Plus in Chesterfield
Virginia has expanded its Medicaid program, known as Virginia Medicaid Expansion or FAMIS Plus, making comprehensive health coverage available to many low-income adults in Chesterfield. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for this program. Unlike marketplace plans, Virginia Medicaid typically has no monthly premiums and very low out-of-pocket costs.
Additionally, Virginia offers specific programs for pregnant women and children:
- FAMIS Moms: Covers pregnant women with incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Applications can be made through commonhelp.virginia.gov.
- FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage.
If your income is at or below these thresholds, exploring Virginia Medicaid or FAMIS programs may be your most affordable option for robust healthcare coverage.