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

Oscar Health Insurance in Floyd County, Virginia

Oscar Health is one of six health insurance carriers offering plans in Floyd County's Rating Area 5 for 2026.
Virginia operates Marketplace Virginia (HealthCare.gov), where residents can enroll and apply for subsidies.
Virginia expanded Medicaid, covering adults up to 138% of the Federal Poverty Level (FPL).
Floyd County, with a population of 15,593, does not have any acute care hospitals within its borders.

For residents of Floyd County, Virginia, Oscar Health is a confirmed option for health insurance coverage on the Marketplace Virginia (HealthCare.gov) for the 2026 plan year. Navigating health insurance options can be challenging, but understanding your choices, eligibility for financial assistance, and local provider landscape is key. Oscar Health offers various plan types, including HMO, PPO, and EPO options, designed to fit different needs and budgets. Whether you're looking for comprehensive coverage, specific network access, or a balance of cost and benefits, it's important to compare all available plans to find the best fit for you and your family in Floyd County.

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What Oscar Health Plans Are Available in Floyd County for 2026?

In 2026, Oscar Health offers a range of health insurance plans for individuals and families in Floyd County through the Marketplace Virginia. As an SBM-FP state, Virginia utilizes the federal platform, HealthCare.gov, for enrollment. Virginia's health insurance market is robust, with PPO plans available on-exchange in addition to HMO and EPO options. This means residents have access to a variety of network structures, including plans that may allow for out-of-network care, albeit at a higher cost. When reviewing Oscar Health plans, you will typically find options across different metal tiers: Bronze, Silver, Gold, and Platinum, each offering a different balance of monthly premium versus out-of-pocket costs. Bronze plans generally have lower premiums and higher deductibles, suitable for those who anticipate fewer medical needs. Silver plans offer moderate premiums and out-of-pocket costs, with potential for enhanced subsidies (Cost-Sharing Reductions) for eligible individuals. Gold and Platinum plans come with higher premiums but lower deductibles and out-of-pocket maximums, ideal for those who expect more frequent medical services.

Who Qualifies for Financial Assistance in Floyd County?

Many Floyd County residents may be eligible for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies are available through the Marketplace Virginia (HealthCare.gov) based on household income and size.

Federal Poverty Level (FPL)	Assistance Type	Details for Virginia Residents
Below 138% FPL	Virginia Medicaid / FAMIS Plus	Virginia expanded Medicaid in 2019. Adults with income up to 138% FPL qualify for comprehensive, low-cost coverage. Pregnant women up to 200% FPL (FAMIS Moms) and children up to 200% FPL (FAMIS) also qualify.
100% - 400% FPL	Premium Tax Credits (Subsidies)	Eligible individuals and families can receive tax credits to lower their monthly premiums for plans purchased on the Marketplace Virginia. The amount depends on income, household size, and the cost of the benchmark Silver plan.
100% - 250% FPL	Cost-Sharing Reductions (CSRs)	Available for those who enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making healthcare more affordable.

For example, a single individual earning $30,000 annually (approximately 215% FPL) would likely qualify for significant premium tax credits and potentially cost-sharing reductions on a Silver plan, making an Oscar Health plan much more affordable than the sticker price. It is crucial to accurately report your income and household size when applying through HealthCare.gov to ensure you receive all the assistance you are entitled to.

Health Insurance Carriers in Floyd County

Floyd County is part of Virginia Rating Area 5, which covers 19 counties in total. In 2026, 6 carriers offer marketplace plans in Rating Area 5. This provides residents with a strong selection of options, allowing for comparison of networks, benefits, and costs. The confirmed carriers for Floyd County are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a variety of plan types, including HMO, PPO, and EPO options, across different metal tiers. When choosing a plan, consider factors such as your preferred doctors and hospitals, prescription drug needs, and expected medical care usage throughout the year. Floyd County, part of Virginia Rating Area 5, is one of the state's more rural counties, with a population of 15,593 and an uninsured rate of 7.3%, according to U.S. Census Bureau ACS 2024 5-year estimates. The median income here is $62,191. Notably, Floyd County has no acute care hospitals within its boundaries, meaning residents needing acute medical care travel to neighboring counties in 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.

How to Choose the Right Plan from Oscar Health or Other Carriers

Choosing the right health insurance plan involves more than just looking at the monthly premium. Consider these factors:

Network and Providers: If you have preferred doctors or specialists, ensure they are in the plan's network. Oscar Health, like other carriers, has specific provider networks.
Prescription Coverage: Check the plan's formulary to see if your necessary medications are covered and at what cost.
Deductibles, Copayments, and Coinsurance: Understand how much you will pay out-of-pocket before your insurance begins to cover costs. Bronze plans typically have higher deductibles, while Gold plans have lower ones.
Out-of-Pocket Maximum: This is the most you will have to pay for covered services in a plan year. A lower out-of-pocket maximum provides greater financial protection.
Plan Type (HMO, PPO, EPO): HMOs typically require a primary care physician and referrals for specialists. PPOs offer more flexibility to see out-of-network providers, though at a higher cost. EPOs are similar to HMOs but usually don't require a PCP referral for specialists within the network.

A licensed health insurance producer can help you compare Oscar Health plans with those from other carriers, explain the differences, and guide you through the enrollment process on the Marketplace Virginia, all at no cost to you.

Frequently Asked Questions

Is Oscar Health insurance available in Floyd County, Virginia?

Yes, Oscar Health is one of six confirmed carriers offering health insurance plans on the Marketplace Virginia (HealthCare.gov) for residents of Floyd County in 2026.

What types of plans does Oscar Health offer in Virginia?

Oscar Health, along with other carriers in Virginia, offers HMO, PPO, and EPO plan types on the Marketplace Virginia. PPO plans are available on-exchange in Virginia, providing more flexibility in provider choice.

Can I get a subsidy for an Oscar Health plan in Floyd County?

If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions, which can significantly lower the cost of an Oscar Health plan on the Marketplace Virginia. Individuals below 138% FPL may qualify for Virginia Medicaid.

Where can Floyd County residents receive acute medical care?

Floyd County does not have any acute care hospitals within its boundaries. Residents needing acute medical care typically travel to neighboring counties within Rating Area 5 for hospital services.