Is Oscar Health insurance available in Gloucester County, Virginia?

Yes, Oscar Health is one of 6 health insurance carriers offering marketplace plans in Gloucester County, Virginia's Rating Area 8 for the 2026 plan year. Residents can compare Oscar Health plans alongside options from other carriers on Marketplace Virginia (HealthCare.gov).

Can I get help paying for Oscar Health plans in Gloucester County?

Yes, individuals and families in Gloucester County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits (subsidies) to reduce the cost of marketplace plans, including those from Oscar Health. Cost-sharing reductions (CSRs) are also available for those with incomes up to 250% FPL who enroll in Silver plans.

What is the uninsured rate in Gloucester County?

According to U.S. Census Bureau ACS 2024 5-year estimates, Gloucester County has an uninsured rate of 4.9%. This is lower than the statewide average for Virginia, reflecting access to programs like Medicaid expansion and the Affordable Care Act marketplace.

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

Oscar Health Insurance Plans in Gloucester County, Virginia

Q: What types of health plans does Oscar Health offer in Virginia?

In Virginia, Oscar Health and other marketplace carriers offer various plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific plan types offered by Oscar Health can vary, so it's important to check the details for 2026 on Marketplace Virginia (HealthCare.gov).

Oscar Health is one of 6 carriers offering Affordable Care Act (ACA) marketplace plans in Gloucester County, Virginia for the 2026 plan year.
Gloucester County is part of Virginia Rating Area 8, which includes 42 other counties, with a population of 39,526 residents.
Virginia expanded Medicaid in 2019, making adults with incomes up to 138% of the Federal Poverty Level (FPL) eligible for coverage.
Pregnant women in Virginia may qualify for Medicaid (FAMIS Moms) with incomes up to 200% FPL, and children through FAMIS up to 200% FPL.

Navigating health insurance options in Gloucester County, Virginia, involves understanding your choices, eligibility for financial assistance, and local providers. For 2026, Oscar Health is among the carriers providing health plans through Marketplace Virginia, the state-based marketplace that uses the federal platform (HealthCare.gov). Residents of Gloucester County can explore Oscar Health's offerings alongside plans from other insurers, comparing benefits, networks, and costs. The Affordable Care Act (ACA) marketplace is designed to make health coverage accessible and affordable, especially for those who do not receive insurance through an employer.

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Understanding Oscar Health Plan Options in Gloucester County

Oscar Health is a participant in the Virginia health insurance marketplace, offering various plan structures to Gloucester County residents. When you shop for health insurance on Marketplace Virginia (HealthCare.gov), you will find plans categorized by metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the level of cost-sharing between you and your insurer. Bronze plans typically have lower monthly premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower costs when you need care. Virginia's marketplace offers a variety of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. PPO plans ARE available on-exchange in Virginia, allowing for more flexibility in choosing providers, often without a referral. Oscar Health's specific plan offerings for 2026, including their network of doctors and hospitals, can be reviewed directly on the Marketplace Virginia website, where you can filter by plan type and carrier.

Who Qualifies for Financial Assistance in Virginia?

The Affordable Care Act provides significant financial assistance to make health insurance more affordable for individuals and families in Gloucester County. These subsidies come in two main forms:

Premium Tax Credits (APTC): These reduce your monthly premium payment. Eligibility is based on household income, generally for those earning between 100% and 400% of the Federal Poverty Level (FPL). In 2026, many people will find these credits cover a substantial portion of their premium.
Cost-Sharing Reductions (CSR): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are available to individuals and families with incomes up to 250% FPL who enroll in a Silver-tier plan.

Virginia expanded Medicaid in 2019, meaning adults with income up to 138% FPL may qualify for comprehensive, low-cost health coverage through Virginia Medicaid or FAMIS Plus. This expansion eliminates the "coverage gap" that exists in non-expansion states, ensuring more residents have access to essential health benefits.

Virginia Medicaid and FAMIS Programs for Families

Virginia offers robust Medicaid and FAMIS (Family Access to Medical Insurance Security) programs to support vulnerable populations in Gloucester County.

Virginia Medicaid Expansion: Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage. This program, also known as FAMIS Plus, provides essential health benefits with no or very low out-of-pocket costs.
Medicaid for Pregnant Women (FAMIS Moms): Pregnant women in Virginia can qualify for coverage with household incomes up to 200% FPL. This includes extensive prenatal care, labor and delivery services, and 12 months of postpartum care, a benefit extended under the American Rescue Plan and adopted by Virginia. Applications can be submitted through commonhelp.virginia.gov.
FAMIS for Children: Uninsured children in households with incomes up to 200% FPL are eligible for FAMIS. For children in families with incomes between 200% and 400% FPL, FAMIS Select offers low-cost health insurance options.

These programs are crucial safety nets, ensuring that many residents of Gloucester County have access to necessary medical care, regardless of their ability to pay for private insurance.

Health Insurance Carriers in Gloucester County

For the 2026 plan year, residents of Gloucester County, Virginia, have a strong selection of health insurance carriers available through Marketplace Virginia. In 2026, 6 carriers offer marketplace plans in Rating Area 8, which covers Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, Westmoreland, Winchester counties. The confirmed carriers for Gloucester County's Rating Area 8 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

It is important to compare plans from each of these carriers to find the best fit for your healthcare needs and budget. Each carrier offers a range of plans across different metal tiers and plan types.

Hospitals and Healthcare in Gloucester County

Gloucester County is served by local healthcare facilities that are integral to the community's well-being. The primary acute care hospital located within the county is Riverside Walter Reed Hospital in Gloucester. This facility provides essential medical services to the county's residents. When selecting an Oscar Health plan or any other marketplace plan, it is important to verify that your preferred doctors and any necessary specialists are within the plan's network, especially for HMO and EPO plans which have more restricted networks. Gloucester County, part of Virginia Rating Area 8, has a population of 39,526 and a median age of 44.8 years, per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 4.9%, significantly below the national average, reflecting effective access to health coverage options including the ACA marketplace and expanded Medicaid programs. The median income in Gloucester County is $84,306, indicating a generally stable economic environment that supports access to healthcare resources.

Making Your Health Plan Decision in Gloucester County

Choosing the right health insurance plan in Gloucester County requires careful consideration of your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which offers comprehensive coverage with minimal or no costs. Apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits to lower your monthly payments on marketplace plans, including those from Oscar Health.
If your income is between 100% and 250% FPL: Consider a Silver-tier plan, as you may also qualify for Cost-Sharing Reductions (CSRs) that reduce your deductibles, copayments, and out-of-pocket maximums.
Consider your healthcare needs: If you have specific doctors or need frequent specialist visits, check plan networks and referral requirements. PPO plans offer more flexibility than HMOs.

A licensed health insurance agent can provide personalized guidance, helping you compare Oscar Health plans with those from other carriers, estimate your subsidies, and ensure you enroll in a plan that best meets your needs without any additional cost to you.

Frequently Asked Questions

Is Oscar Health a good insurance company in Virginia?

Oscar Health is one of several carriers participating in the Virginia marketplace for 2026. "Good" is subjective and depends on individual needs, network preferences, and plan benefits. It is recommended to compare Oscar Health's specific plans, pricing, and provider network in Gloucester County against other available carriers on Marketplace Virginia (HealthCare.gov) to determine if it is the right fit for you.

How do I enroll in an Oscar Health plan in Gloucester County?

You can enroll in an Oscar Health plan for Gloucester County through Marketplace Virginia (HealthCare.gov) during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event (such as marriage, birth of a child, or loss of other coverage). You can also get assistance from a licensed health insurance agent who can guide you through the enrollment process.

What is Virginia Rating Area 8?

Virginia Rating Area 8 is a geographic region used by health insurance carriers to set premium rates. Gloucester County is part of Rating Area 8, which encompasses 43 counties in total, including Accomack, Albemarle, and others. Carriers offer the same base rates for plans across all counties within the same rating area, though individual premiums can vary based on age, tobacco use, and plan choice.

Can I get a PPO plan in Gloucester County?

Yes, PPO plans ARE available on-exchange in Virginia, including in Gloucester County. Marketplace shoppers in Virginia can choose from HMO, PPO, and EPO plan structures. Carriers like HealthKeepers Plus, Cigna, and United Healthcare offer PPO options in Rating Area 8 for 2026. You can compare the available PPO plans from Oscar Health and other carriers on Marketplace Virginia (HealthCare.gov).