Oscar Health Insurance Plans in Manassas, Virginia

Oscar Health is one of 6 health insurance carriers offering plans on the Marketplace Virginia / HealthCare.gov in Manassas for 2026.
Manassas is part of Virginia Rating Area 1, which covers 18 counties and independent cities in Northern Virginia.
Virginia Marketplace plans include HMO, PPO, and EPO options, with Oscar Health primarily offering HMO and EPO.
Manassas residents with household incomes up to 400% FPL may qualify for significant subsidies to lower monthly premiums.

Navigating health insurance options in Manassas, Virginia, can feel complex, but residents have access to a variety of plans, including those from Oscar Health. Oscar Health offers coverage through the Marketplace Virginia / HealthCare.gov, providing options for individuals and families seeking affordable healthcare. Understanding how Oscar Health plans fit into the local market, what subsidies are available, and how to enroll is crucial for making an informed decision. This guide breaks down what you need to know about securing an Oscar Health insurance plan in Manassas.

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What Oscar Health Plans Are Available in Manassas?

In 2026, Oscar Health is one of 6 carriers offering marketplace plans in Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. Oscar Health typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, which provide comprehensive benefits with a focus on coordinated care. Virginia's marketplace allows consumers to choose from HMO, PPO, and EPO plan structures. While Oscar Health's offerings tend to be HMO and EPO focused, it is important to review the specific plan details available for your exact ZIP code to confirm network type and coverage. These plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services, as mandated by the Affordable Care Act (ACA).

Financial Assistance for Oscar Health Plans in Manassas

Many Manassas residents qualify for financial assistance to make Oscar Health plans more affordable. These subsidies are available through the Marketplace Virginia / HealthCare.gov and are based on your household income relative to the Federal Poverty Level (FPL). There are two main types of subsidies:

Advanced Premium Tax Credits (APTCs): These reduce your monthly premium payments. You can elect to have these credits paid directly to your insurer each month, lowering your out-of-pocket cost for premiums. Eligibility generally extends to individuals and families with incomes between 100% and 400% FPL, though temporary enhancements may allow higher incomes to qualify.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for individuals and families with incomes up to 250% FPL.

For example, a single adult in Manassas earning $30,000 (around 200% FPL) would likely qualify for significant APTCs and CSRs, making a Silver plan much more affordable than its sticker price. It's important to apply through the official marketplace to determine your exact eligibility.

Virginia Medicaid and FAMIS Plus in Manassas

For Manassas residents with lower incomes, Virginia offers expanded Medicaid coverage. Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level may qualify for Virginia Medicaid or FAMIS Plus. This program provides comprehensive health coverage at little to no cost. Unlike states without Medicaid expansion, Virginia does not have a "coverage gap" for individuals below 100% FPL; if your income is below 138% FPL, you may qualify for Medicaid. Additionally, Virginia Medicaid (FAMIS Moms) covers pregnant women with incomes up to 200% FPL, including prenatal care, labor, delivery, and 12 months of postpartum care. The Family Access to Medical Insurance Security (FAMIS) program covers uninsured children in households up to 200% FPL, with FAMIS Select offering low-cost coverage for children between 200% and 400% FPL. Enrollment for these programs can be initiated through commonhelp.virginia.gov.

Choosing an Oscar Health Plan in Manassas

When selecting an Oscar Health plan, consider the metal tiers (Bronze, Silver, Gold, Platinum) as they indicate how you and your plan split healthcare costs.

Metal Tier	Key Features	Best For
Bronze	Lowest monthly premiums, highest deductibles. Covers 60% of costs.	Healthy individuals who want protection against catastrophic costs.
Silver	Moderate premiums and deductibles. Covers 70% of costs (more with CSRs).	Individuals/families who qualify for Cost-Sharing Reductions or expect moderate healthcare use.
Gold	Higher monthly premiums, lower deductibles and out-of-pocket maximums. Covers 80% of costs.	Those who expect frequent medical care or prefer predictable costs.

Manassas, with a population of 42,976 and an uninsured rate of 19.2% per U.S. Census Bureau ACS 2024 5-year estimates, has a significant portion of its residents who could benefit from marketplace plans and subsidies. The city's median income is $113,590, indicating a diverse economic landscape where both subsidized and unsubsidized plans are relevant. Novant Prince William Medical Center in Manassas is the primary acute care hospital serving the area, and it is important to confirm if your chosen Oscar Health plan includes this facility or other preferred providers in its network.

Health Insurance Carriers in Manassas

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Manassas. These carriers provide a range of HMO, PPO, and EPO plans to Manassas residents through Marketplace Virginia / HealthCare.gov. The confirmed carriers for this rating area are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When exploring your options, it's beneficial to compare plans from multiple carriers to find the best fit for your healthcare needs and budget. A licensed health insurance producer can provide personalized guidance on these choices.

Next Steps for Manassas Residents

Deciding on the right health insurance plan requires careful consideration of your income, health needs, and preferred doctors. Here’s a quick guide for Manassas residents:

If your household income is below 138% FPL: Apply for Virginia Medicaid or FAMIS Plus through commonhelp.virginia.gov.
If your household income is between 100% and 400% FPL: Apply through Marketplace Virginia / HealthCare.gov to determine your eligibility for Advanced Premium Tax Credits and Cost-Sharing Reductions. Consider Silver plans if you qualify for CSRs.
If your household income is above 400% FPL: You can still purchase plans through Marketplace Virginia / HealthCare.gov at full price, or explore off-exchange options directly with carriers.

Remember that the annual Open Enrollment Period is the primary time to enroll or change plans. However, qualifying life events such as marriage, birth of a child, or loss of other coverage can trigger a Special Enrollment Period.

Frequently Asked Questions

Is Oscar Health insurance available in Manassas, Virginia?

Yes, Oscar Health is one of 6 carriers offering marketplace health insurance plans in Rating Area 1, which includes Manassas, Virginia, for the 2026 plan year.

Can I get a PPO plan through Oscar Health in Manassas?

Oscar Health primarily offers HMO and EPO plans on the Marketplace Virginia / HealthCare.gov. While PPO plans are available on-exchange in Virginia from other carriers, Oscar Health’s offerings typically focus on HMO and EPO structures. You can confirm specific plan types when you search for plans by your ZIP code.

What type of financial help is available for Oscar Health plans in Manassas?

Eligible Manassas residents can receive Advanced Premium Tax Credits (APTCs) to lower monthly premiums and Cost-Sharing Reductions (CSRs) to reduce out-of-pocket costs, such as deductibles and copayments. Eligibility is based on household income relative to the Federal Poverty Level when applying through Marketplace Virginia / HealthCare.gov.

How do I enroll in an Oscar Health plan in Manassas?

Enrollment in Oscar Health plans, like other marketplace plans, is done through Marketplace Virginia / HealthCare.gov during the annual Open Enrollment Period or during a Special Enrollment Period if you experience a qualifying life event. A licensed health insurance producer can help you navigate the options and apply.