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

Oscar Health Insurance Plans in Highland County, Virginia

Oscar Health is one of 6 carriers offering marketplace plans in Highland County's Rating Area 5 for 2026.
Virginia's marketplace offers HMO, PPO, and EPO plans, allowing for choice in network structure.
Residents of Highland County, with a population of 2,296, have an uninsured rate of 3.9%, per U.S. Census Bureau ACS 2024 estimates.
You can apply for Oscar Health plans and potential subsidies through Marketplace Virginia / HealthCare.gov.
Virginia Medicaid (FAMIS Plus) covers adults with incomes up to 138% of the Federal Poverty Level.

Navigating health insurance options in Highland County, Virginia, involves understanding local plan availability and financial assistance programs. Oscar Health is one of several carriers offering plans through Marketplace Virginia / HealthCare.gov in this region. Residents can explore various plan types, including HMO, PPO, and EPO options, to find coverage that fits their healthcare needs and budget. Financial help, such as premium tax credits and cost-sharing reductions, is available to eligible individuals and families, making health insurance 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 Highland County?

Oscar Health provides health insurance plans to individuals and families in Highland County through Marketplace Virginia / HealthCare.gov. As part of 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, Oscar Health's offerings are designed to meet the diverse needs of this multi-county region. Virginia's health insurance marketplace allows shoppers to choose from a variety of plan structures, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means that when you consider Oscar Health, you will have options regarding how your healthcare providers are structured and how you access specialists. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while PPOs offer more flexibility to see out-of-network providers for a higher cost. EPOs are similar to HMOs but usually do not require a PCP referral for specialists within their network.

Understanding Financial Assistance and Eligibility for Oscar Health Plans

Many Highland County residents can receive financial assistance to lower the cost of Oscar Health plans. These subsidies are available through Marketplace Virginia / HealthCare.gov in the form of premium tax credits and cost-sharing reductions. Eligibility is primarily based on your household income relative to the Federal Poverty Level (FPL).

Household Income (as % FPL)	Potential Assistance
Below 138% FPL (e.g., ~$20,782 for a single person in 2026)	May qualify for Virginia Medicaid (FAMIS Plus). Apply through commonhelp.virginia.gov.
100% - 400% FPL (e.g., ~$15,060 - $60,240 for a single person in 2026)	Eligible for premium tax credits to lower monthly premiums. May also qualify for cost-sharing reductions on Silver plans.
Above 400% FPL	Eligible to purchase plans through Marketplace Virginia / HealthCare.gov at full price.

Virginia expanded Medicaid in 2019, meaning adults with incomes up to 138% FPL may qualify for comprehensive, no-cost coverage through Virginia Medicaid (FAMIS Plus). This program is crucial for ensuring that low-income individuals and families have access to necessary healthcare services without facing significant financial burdens. For children and pregnant women, eligibility thresholds are even higher: Virginia Medicaid (FAMIS Moms) covers pregnant women up to 200% FPL, and FAMIS (Children's Health Insurance Program) covers uninsured children up to 200% FPL. Highland County, with a population of 2,296 and a median income of $65,625 per U.S. Census Bureau ACS 2024 5-year estimates, is part of Virginia Rating Area 5. This rural county has an uninsured rate of 3.9%, which is relatively low compared to some other areas. Highland County has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for emergency and inpatient services.

Health Insurance Carriers in Highland County

In 2026, 6 carriers offer marketplace plans in Rating Area 5, which includes Highland County. Oscar Health is one of these providers, giving residents multiple options when selecting a health plan through Marketplace Virginia / HealthCare.gov. The confirmed carriers for Highland County's Rating Area 5 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a range of plans across different metal tiers (Bronze, Silver, Gold, Platinum), varying in monthly premiums, deductibles, copayments, and out-of-pocket maximums. Comparing plans from Oscar Health and other carriers is essential to find the best fit for your specific healthcare needs and financial situation.

Choosing the Right Oscar Health Plan in Highland County

When selecting an Oscar Health plan or any other plan in Highland County, consider your individual healthcare needs, budget, and preferred provider network.

Here are key steps to guide your decision:

Estimate Your Healthcare Usage: If you anticipate frequent doctor visits or need prescription medications, a plan with lower out-of-pocket costs (like a Gold or Silver plan with cost-sharing reductions) might be more cost-effective, despite a higher monthly premium. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan with a lower premium but higher deductible could be suitable.
Check Provider Networks: Ensure that your preferred doctors, specialists, or any specific healthcare facilities are included in the Oscar Health plan's network. Since Highland County has no acute care hospitals, understanding network coverage for facilities in neighboring counties is especially important.
Utilize Subsidies: If your income qualifies, applying for premium tax credits and cost-sharing reductions through Marketplace Virginia / HealthCare.gov can significantly reduce your costs. Enhanced Silver plans, combined with cost-sharing reductions, can provide excellent value by lowering deductibles and copays.
Compare Metal Tiers:
- Bronze Plans: Lowest premiums, highest deductibles. Best for those who rarely use medical services and want catastrophic coverage.
- Silver Plans: Moderate premiums and deductibles. The only tier eligible for cost-sharing reductions, making them a strong choice for those who qualify for subsidies.
- Gold Plans: Higher premiums, lower deductibles. Good for those who expect to use medical services frequently and want more predictable out-of-pocket costs.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans with other options, verify network coverage, and maximize any available financial assistance. Their expertise can simplify the enrollment process and ensure you choose a plan that truly meets your needs.

Frequently Asked Questions

What types of Oscar Health plans are available in Highland County, Virginia?

In Highland County, Oscar Health offers health insurance plans through Marketplace Virginia / HealthCare.gov. Virginia's marketplace includes HMO, PPO, and EPO plan types, providing a range of options for how you access care. Oscar Health's specific offerings may vary by plan year and metal tier.

Can I get a subsidy for Oscar Health plans in Highland County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions when enrolling in an Oscar Health plan through Marketplace Virginia / HealthCare.gov. For 2026, the FPL for a single person is around $15,060, so an income up to approximately $60,240 could qualify for assistance.

What is the uninsured rate in Highland County, Virginia?

According to U.S. Census Bureau ACS 2024 5-year estimates, Highland County has an uninsured rate of 3.9%. This is lower than the statewide average for Virginia, reflecting strong coverage rates in the area.

Does Oscar Health offer Medicaid plans in Virginia?

Oscar Health primarily offers marketplace plans for individuals and families. Virginia Medicaid (FAMIS Plus) is a separate program for low-income residents, expanded in 2019 to cover adults with incomes up to 138% of the Federal Poverty Level. If you qualify for Virginia Medicaid, you would apply directly through commonhelp.virginia.gov.