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

Oscar Health Insurance in Franklin, Virginia

Oscar Health is one of 6 health insurance carriers offering plans on HealthCare.gov in Franklin, VA for the 2026 plan year.
Franklin is part of Virginia Rating Area 4, which includes 17 counties in the southeastern part of the state.
Virginia Medicaid (FAMIS Plus) covers adults in Franklin with incomes up to 138% of the Federal Poverty Level.
PPO, HMO, and EPO plans are all available on-exchange through HealthCare.gov in Franklin, Virginia.

If you are looking for Oscar Health insurance plans in Franklin, Virginia, you'll find them available on HealthCare.gov for the 2026 plan year. Franklin is served by Virginia Rating Area 4, where Oscar Health is one of six confirmed carriers providing marketplace coverage. This means residents of Franklin have multiple options for health insurance, including various plan types like HMOs, PPOs, and EPOs, all of which are available on-exchange in Virginia. Depending on your household income, you may also qualify for significant financial assistance, such as premium tax credits and cost-sharing reductions, to make your Oscar Health plan more affordable.

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 Plans Are Available in Franklin, Virginia?

Oscar Health offers a range of individual and family health insurance plans in Franklin through HealthCare.gov. As part of Virginia Rating Area 4, Oscar Health competes with five other carriers, providing a variety of choices across different metal tiers (Bronze, Silver, Gold, and sometimes Platinum or Catastrophic). These plans typically include essential health benefits such as doctor visits, hospital care, prescription drugs, mental health services, and maternity care. The specific plan designs, including deductibles, copayments, and out-of-pocket maximums, will vary by metal tier and plan type. In Virginia, marketplace plans include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. This means you can choose a plan structure that best fits your preference for provider networks and referral requirements. For example, PPO plans generally offer more flexibility to see out-of-network providers, though often at a higher cost.

Understanding Your Eligibility and Subsidies in Franklin

Eligibility for Oscar Health plans and financial assistance in Franklin depends primarily on your household income and family size. Residents with incomes between 100% and 400% of the Federal Poverty Level (FPL) typically qualify for premium tax credits, which can significantly lower your monthly premiums. Those with incomes between 100% and 250% FPL may also be eligible for cost-sharing reductions (CSRs) on Silver plans, which reduce your deductibles, copayments, and out-of-pocket maximums. For individuals and families with lower incomes, Virginia has expanded its Medicaid program. Adults in Franklin with household income up to 138% FPL may qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive health coverage with little to no cost. For example, the city of Franklin has a population of 8,250, with a median household income of $63,245 and a poverty rate of 19.3%, per U.S. Census Bureau ACS 2024 5-year estimates. This indicates a significant portion of the population may benefit from these assistance programs.

Virginia Medicaid Programs

Virginia offers several programs to ensure access to healthcare:

Virginia Medicaid Expansion (FAMIS Plus): Covers adults with income up to 138% FPL.
FAMIS Moms: Provides coverage for pregnant women with income up to 200% FPL, including 12 months of postpartum care.
FAMIS (Children's Health Insurance Program - CHIP): Covers uninsured children in households up to 200% FPL.
FAMIS Select: Offers low-cost coverage for children between 200% and 400% FPL.

You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Franklin

Franklin, Virginia, is part of Rating Area 4. In 2026, 6 carriers offer marketplace plans in Rating Area 4, which covers Chesapeake, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, York counties. These carriers provide a competitive marketplace for residents seeking individual and family health insurance. The confirmed local carriers for Franklin include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Residents can compare plans from all these carriers on HealthCare.gov to find the option that best suits their needs and budget.

Navigating Healthcare in Franklin

Access to quality healthcare facilities is an important consideration when choosing a health plan. While Franklin itself is a smaller city, residents in Franklin County have access to local acute care facilities. Carilion Franklin Memorial Hospital, located in Rocky Mount, is an acute care hospital serving the region. When selecting an Oscar Health plan or any other carrier's plan, it is advisable to check if your preferred doctors and specialists, as well as local hospitals like Carilion Franklin Memorial Hospital, are included in the plan's network. The city of Franklin, with an uninsured rate of 2.9% per U.S. Census Bureau ACS 2024 5-year estimates, demonstrates strong access to coverage compared to many other areas.

Choosing the Right Oscar Health Plan in Franklin

When selecting an Oscar Health plan or any other plan in Franklin, consider the following factors:

Your healthcare needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold or lower-deductible Silver plan might be more cost-effective in the long run, especially if you qualify for cost-sharing reductions on Silver plans.
Your budget: Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket costs. Catastrophic plans are also available for those under 30 or with a hardship exemption, offering very low premiums but covering only essential benefits after a high deductible.
Provider network: Ensure your preferred doctors, specialists, and local hospitals (like Carilion Franklin Memorial Hospital) are in the plan's network.
Medication needs: Check the plan's formulary to ensure your prescription drugs are covered and understand their cost-sharing structure.

The best way to evaluate your options is to use HealthCare.gov to compare plans side-by-side, taking into account any subsidies you may qualify for.

Frequently Asked Questions

Can I get Oscar Health insurance in Franklin, Virginia?

Yes, Oscar Health is one of 6 carriers offering plans on HealthCare.gov in Franklin and the broader Rating Area 4 for the 2026 plan year. You can compare their plans with others through the official marketplace.

What types of plans are available on HealthCare.gov in Franklin, VA?

In Franklin, Virginia, marketplace shoppers can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. PPO plans are available on-exchange in Virginia.

What income qualifies for Virginia Medicaid in Franklin?

Adults in Franklin with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus), as Virginia expanded Medicaid in 2019. For a single person, this is approximately $20,782 per year in 2024 FPL guidelines.

What is Virginia Rating Area 4?

Virginia Rating Area 4 is a multi-county region for health insurance pricing that includes Franklin and 16 other counties in southeastern Virginia. All plans offered in this rating area have the same base rates, though individual premiums will vary based on age, tobacco use, and plan choice.

Do I need to use HealthCare.gov to enroll in an Oscar Health plan?

Yes, to enroll in an Oscar Health plan and receive any eligible premium tax credits or cost-sharing reductions, you must apply through HealthCare.gov, which is the platform used by Marketplace Virginia.