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

Oscar Health Insurance Plans in Craig County, Virginia

Navigating health insurance options in Craig County, Virginia, can feel complex, but residents have clear choices, including plans from Oscar Health. For 2026, Oscar Health provides coverage through Marketplace Virginia / HealthCare.gov, alongside five other confirmed carriers. These plans are eligible for financial assistance, which can significantly reduce monthly premiums and out-of-pocket costs for eligible individuals and families. Whether you're seeking comprehensive coverage, specific plan types like PPO or HMO, or exploring Medicaid options, understanding the local landscape is key.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

By submitting, you agree to be contacted by a licensed agent. Standard message and data rates may apply.

✓

You're all set!

A licensed agent will reach out shortly.

What Oscar Health Plans Are Available in Craig County?

Oscar Health offers a range of Affordable Care Act (ACA) compliant health insurance plans in Craig County, Virginia, for the 2026 plan year. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each designed to balance monthly premiums with out-of-pocket costs. Bronze plans typically have lower premiums and higher deductibles, suitable for those who anticipate minimal medical care or want protection against catastrophic events. Silver plans offer a moderate balance and are particularly advantageous for individuals and families eligible for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and coinsurance. Gold and Platinum plans feature higher premiums but significantly lower out-of-pocket costs, ideal for those who expect frequent medical needs. In Virginia, marketplace shoppers in Craig County can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plan structures. This includes PPO plans, which are available on-exchange and offer more flexibility in choosing providers without a referral, unlike HMOs which typically require referrals for specialists and limit coverage to a network of doctors and hospitals.

Can I Get Financial Help for Oscar Health Plans in Craig County?

Yes, many residents of Craig County, Virginia, are eligible for financial assistance to make Oscar Health plans and other marketplace plans more affordable. These subsidies, primarily Premium Tax Credits (PTCs), are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). The PTCs reduce your monthly premium payment, making quality health coverage more accessible. For those with incomes between 150% and 250% FPL, additional assistance is available through Cost-Sharing Reductions (CSRs). CSRs are applied exclusively to Silver-tier plans and reduce the amount you pay for deductibles, copayments, and coinsurance when you use medical services. This means a Silver plan with CSRs provides better coverage than a standard Silver plan, often at a similar premium to a Bronze plan after PTCs.

Virginia Medicaid Eligibility

Virginia expanded its Medicaid program in 2019. This means adults in Craig County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides comprehensive health coverage with no monthly premiums and minimal or no out-of-pocket costs. Additionally, Virginia offers robust programs for specific populations: You can apply for Virginia Medicaid and FAMIS programs through commonhelp.virginia.gov.

Health Insurance Carriers in Craig County

For the 2026 plan year, residents of Craig County, Virginia, have several options when selecting a health insurance carrier through Marketplace Virginia / HealthCare.gov. Craig 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 selection for consumers. The confirmed carriers offering plans in Craig County for 2026 are: Each of these carriers offers various plan types across the metal tiers, allowing you to compare benefits, networks, and costs to find the best fit for your healthcare needs.

Making the Right Choice for Your Health Coverage in Craig County

Choosing the right health insurance plan requires evaluating your expected medical needs, budget, and preferred doctors. Here’s a general guide for residents of Craig County:
Your Situation Recommended Action Key Consideration
Income below 138% FPL (e.g., ~$20,120 for an individual in 2026) Apply for Virginia Medicaid (FAMIS Plus) via commonhelp.virginia.gov. Comprehensive coverage with no premiums.
Income 100%-250% FPL (e.g., ~$14,580 - $36,450 for an individual in 2026) Explore Silver plans on Marketplace Virginia / HealthCare.gov. Eligible for both Premium Tax Credits and Cost-Sharing Reductions.
Income 250%-400% FPL (e.g., ~$36,450 - $58,320 for an individual in 2026) Compare Bronze, Silver, and Gold plans on Marketplace Virginia / HealthCare.gov. Eligible for Premium Tax Credits to lower monthly premiums.
Income above 400% FPL (e.g., >$58,320 for an individual in 2026) Review all metal tiers on Marketplace Virginia / HealthCare.gov or off-exchange plans. Not eligible for subsidies, focus on deductibles, copays, and network.
Pregnant or have children Check eligibility for FAMIS Moms (up to 200% FPL) or FAMIS (up to 200% FPL) / FAMIS Select (200-400% FPL). Specialized programs offer extensive coverage for families.
Craig County, part of Virginia Rating Area 5, has a population of 4,856 and an uninsured rate of 3.1%, significantly lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates. Despite its rural nature, with no acute care hospitals within its boundaries, residents needing hospital services typically travel to neighboring counties. This makes understanding your plan's network and out-of-county coverage particularly important. A licensed health insurance agent can provide personalized advice and help you compare Oscar Health plans with other local options, ensuring you find coverage that meets your specific needs at no additional cost to you.

Frequently Asked Questions

Is Oscar Health insurance available in Craig County, Virginia?
Yes, Oscar Health is one of six carriers offering marketplace health insurance plans in Craig County, Virginia, for the 2026 plan year. These plans are available through Marketplace Virginia / HealthCare.gov.
What types of Oscar Health plans can I find in Craig County?
In Craig County, Oscar Health and other carriers offer various plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the Marketplace Virginia / HealthCare.gov exchange. PPO plans are available on-exchange in Virginia, providing more flexibility.
Can I get financial assistance for Oscar Health plans in Craig County?
Yes, individuals and families in Craig County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to lower their monthly health insurance costs. Those between 150% and 250% FPL may also be eligible for Cost-Sharing Reductions (CSRs) on Silver plans, which reduce out-of-pocket expenses.
Who qualifies for Virginia Medicaid in Craig County?
Virginia expanded Medicaid in 2019. Adults in Craig County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus). Pregnant women can qualify up to 200% FPL, and children up to 200% FPL for FAMIS. Applications can be submitted via commonhelp.virginia.gov.

Get Your Free Quote