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

Oscar Health Insurance Plans in Forest, Virginia

Oscar Health is one of 6 carriers offering marketplace plans in Forest, Virginia's Rating Area 5 for 2026.
Virginia residents with incomes between 100% and 400% FPL may qualify for subsidies to reduce Oscar Health plan premiums.
Forest, VA, with a population of 13,430, is part of Bedford County, which is served by Centra Bedford Memorial Hospital.
Virginia Medicaid is available for individuals with incomes up to 138% FPL, and pregnant women up to 200% FPL.

Navigating health insurance options in Forest, Virginia, can be straightforward, especially with carriers like Oscar Health offering plans through Marketplace Virginia. For 2026, Oscar Health provides a range of choices for individuals and families in Forest, which is part of Rating Area 5. These plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, are designed to fit various budgets and healthcare needs. Many Forest residents may also qualify for financial assistance, such as premium tax credits, to make coverage more affordable.

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What Oscar Health Plans Are Available in Forest, Virginia?

Oscar Health offers a variety of plans in Forest, Virginia, through Marketplace Virginia (HealthCare.gov), allowing residents to choose coverage that best suits their circumstances. All plans cover essential health benefits, including doctor visits, prescription drugs, hospital care, and mental health services. When selecting an Oscar Health plan, you'll generally find options across different metal tiers:

Bronze Plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are designed for those who want protection against catastrophic medical expenses.
Silver Plans: Offering a balance between premiums and out-of-pocket costs, Silver plans are popular because they are the only tier eligible for cost-sharing reductions (CSRs). If your income is below 250% of the Federal Poverty Level, CSRs can significantly reduce your deductibles, co-pays, and out-of-pocket maximums.
Gold Plans: With higher monthly premiums, Gold plans come with lower deductibles and out-of-pocket maximums. These are suitable for individuals who expect to use medical services frequently and prefer predictable costs.

Forest, Virginia, is located in Bedford County, which is part of Rating Area 5. This rating area covers 19 counties, including Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe counties. The city of Forest itself has a population of 13,430, with a median income of $81,552, per U.S. Census Bureau ACS 2024 5-year estimates. Centra Bedford Memorial Hospital, located in Bedford, serves as the primary acute care facility for residents of Bedford County.

Am I Eligible for Subsidies on Oscar Health Plans in Forest, VA?

Many Forest residents can get financial help to lower the cost of their Oscar Health insurance. Eligibility for subsidies, specifically Premium Tax Credits (PTC) and Cost-Sharing Reductions (CSR), depends on your household income relative to the Federal Poverty Level (FPL).

Household Income (as % FPL)	Potential Financial Assistance
Below 138% FPL	May qualify for Virginia Medicaid (FAMIS Plus). For a single individual, this is approximately below $20,120 per year in 2023 FPL guidelines.
100% - 400% FPL	Eligible for Premium Tax Credits (PTC) to reduce monthly premiums on any marketplace plan, including Oscar Health.
150% - 250% FPL	Eligible for Cost-Sharing Reductions (CSR) if you enroll in a Silver plan, which lowers deductibles, co-pays, and out-of-pocket maximums.

Virginia expanded Medicaid in 2019, meaning adults with incomes up to 138% of the FPL can qualify for comprehensive health coverage through Virginia Medicaid or FAMIS Plus. Additionally, Virginia Medicaid (FAMIS Moms) covers pregnant women with incomes up to 200% FPL, and FAMIS (Family Access to Medical Insurance Security) covers uninsured children up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage. These programs are vital for ensuring access to care for vulnerable populations in Forest and across Virginia.

Health Insurance Carriers in Forest

In 2026, 6 carriers offer marketplace plans in Rating Area 5, which includes Forest, Virginia. Oscar Health is one of these options, providing competitive plans for residents. The confirmed carriers for this rating area are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When choosing a plan, consider not only the monthly premium but also the network of doctors and hospitals, prescription drug coverage, and your estimated out-of-pocket costs. Each carrier offers various plan types (HMO, PPO, EPO) with different structures regarding specialist referrals and out-of-network coverage.

Making Your Health Insurance Decision in Forest

Choosing the right health insurance plan for your needs in Forest, Virginia, involves understanding your options and leveraging available financial assistance.

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). Apply directly through commonhelp.virginia.gov for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits. Compare Oscar Health plans and other carrier options on Marketplace Virginia to find the most affordable plan with the coverage you need. Consider a Silver plan if your income is below 250% FPL to benefit from Cost-Sharing Reductions.
If your income is above 400% FPL: You can still purchase a plan through Marketplace Virginia at full price. Focus on finding a plan with a network that includes your preferred providers and a cost structure that aligns with your anticipated medical expenses.

A licensed health insurance producer can help you navigate these choices, compare plans from Oscar Health and other carriers, and determine your eligibility for subsidies, all at no cost to you.

Frequently Asked Questions

Can I get an Oscar Health plan with a subsidy in Forest, Virginia?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for a premium tax credit to lower the cost of an Oscar Health plan purchased through Marketplace Virginia.

What types of plans does Oscar Health offer in Forest, VA?

In Forest, Oscar Health, along with other carriers, offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans through Marketplace Virginia for 2026.

Is Medicaid available in Forest for low-income residents?

Yes, Virginia expanded Medicaid in 2019. Adults in Forest with household incomes up to 138% of the Federal Poverty Level may qualify for Virginia Medicaid or FAMIS Plus, providing comprehensive health coverage.

How do I choose the best Oscar Health plan for my needs?

Consider your estimated medical needs, preferred doctors, and budget. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs. Enhanced Silver plans offer additional savings if you qualify for cost-sharing reductions based on income.