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

Oscar Health Insurance Plans in Midlothian, Virginia

Oscar Health is one of 6 carriers offering marketplace plans in Midlothian's Rating Area 3 for 2026.
Midlothian residents earning between 100% and 400% FPL (e.g., $14,580 to $58,320 for an individual) may qualify for subsidies.
Virginia expanded Medicaid in 2019, covering adults up to 138% FPL, and pregnant women up to 200% FPL.
Midlothian's uninsured rate is 1.6%, significantly lower than Chesterfield County's 6.5%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance in Midlothian, Virginia, Oscar Health is a confirmed carrier offering plans on the Marketplace Virginia (HealthCare.gov platform) for the 2026 plan year. As a resident of Midlothian, which is part of Chesterfield County, you have access to a variety of Oscar Health plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, depending on Oscar Health's specific offerings. These plans are eligible for financial assistance, such as Advance Premium Tax Credits (APTCs), for individuals and families whose incomes fall within specific Federal Poverty Level (FPL) thresholds. It's crucial to compare plan benefits, provider networks, and costs to find the best fit for your healthcare needs and budget in Rating Area 3.

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What Are Your Options for Oscar Health Plans in Midlothian?

In Midlothian, residents can access Oscar Health plans through Marketplace Virginia. These plans are structured across different metallic tiers: Bronze, Silver, Gold, and Platinum, plus Catastrophic plans for those under 30 or with a hardship exemption. Each tier offers a different balance of monthly premiums versus out-of-pocket costs:

Bronze plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are designed to cover about 60% of healthcare expenses, making them suitable for individuals who expect minimal medical care and want protection against major unforeseen health events.
Silver plans: Covering approximately 70% of costs, Silver plans offer moderate premiums and out-of-pocket expenses. They are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), as these subsidies can significantly lower deductibles, co-pays, and maximum out-of-pocket limits, making Silver plans a strong value.
Gold plans: With higher monthly premiums, Gold plans cover about 80% of healthcare costs, resulting in lower deductibles and out-of-pocket expenses when care is needed. These plans are often a good choice for those who anticipate regular medical care or have ongoing health conditions.
Platinum plans: These plans have the highest premiums but cover around 90% of healthcare costs, offering the lowest out-of-pocket expenses. They are ideal for individuals who expect extensive medical services and prefer predictable costs throughout the year.
Catastrophic plans: Available to individuals under 30 or those with a hardship exemption, these plans have very low premiums but extremely high deductibles, primarily covering essential health benefits after a major event.

Midlothian, with a population of 19,120 and a median age of 41.8 years, experiences an uninsured rate of just 1.6%, well below the 6.5% uninsured rate for Chesterfield County as a whole, per U.S. Census Bureau ACS 2024 5-year estimates. This low uninsured rate suggests a strong engagement with health coverage options, including marketplace plans from carriers like Oscar Health.

Can You Get Financial Help for Oscar Health Premiums in Midlothian?

Virginia expanded Medicaid in 2019, providing coverage to adults with incomes up to 138% of the Federal Poverty Level (FPL). This means that if your income is below this threshold, you may qualify for comprehensive, low-cost or free health coverage through Virginia Medicaid or FAMIS Plus, rather than a marketplace plan. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, and the Family Access to Medical Insurance Security (FAMIS) program covers uninsured children up to 200% FPL. For those whose income is above Medicaid eligibility but below 400% FPL, significant financial assistance is available for Oscar Health plans and other marketplace options. Advance Premium Tax Credits (APTCs) can be applied directly to your monthly premiums, reducing your out-of-pocket cost. For example, in 2026, an individual earning between $14,580 and $58,320 (100-400% FPL) would likely qualify for these subsidies. Additionally, individuals with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) when they enroll in a Silver-tier plan. CSRs further lower your deductibles, co-payments, and maximum out-of-pocket limits, making healthcare more affordable.

Health Insurance Carriers in Midlothian

For 2026, residents of Midlothian, which is part of Virginia's Rating Area 3, have a competitive marketplace with multiple carriers offering health insurance plans. Rating Area 3 covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. In 2026, 6 carriers offer marketplace plans in Rating Area 3, providing a range of choices for consumers. These carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Oscar Health plans, along with those from other carriers, will offer a mix of HMO, PPO, and EPO plan types, giving Midlothian shoppers flexibility in choosing network structures and provider access. When considering an Oscar Health plan, it's advisable to check if your preferred doctors and specialists, as well as hospitals like Bon Secours St Francis Medical Center in Midlothian, are included in the plan's network for the upcoming year.

Choosing the Right Oscar Health Plan for Your Needs

Selecting the ideal Oscar Health plan in Midlothian involves evaluating your personal health needs, financial situation, and preferred access to care. Here's a guide to help you decide:

Your Situation	Recommended Oscar Health Plan Tier / Action	Considerations
Low income (under 138% FPL)	Apply for Virginia Medicaid / FAMIS Plus	You likely qualify for free or very low-cost comprehensive coverage. Apply through commonhelp.virginia.gov.
Moderate income (100-250% FPL)	Oscar Health Silver plan with Cost-Sharing Reductions (CSRs)	Silver plans offer reduced deductibles and out-of-pocket costs with CSRs, in addition to premium subsidies.
Higher income (251-400% FPL)	Oscar Health Bronze, Silver, or Gold plan with APTCs	Choose based on expected healthcare use. Bronze for low use, Gold for higher use, Silver for a balance. Premium subsidies will help.
High expected medical costs	Oscar Health Gold or Platinum plan	Higher premiums but lower out-of-pocket costs when you receive care, offering more predictable expenses.
Minimal expected medical costs	Oscar Health Bronze plan or Catastrophic plan (if eligible)	Lowest premiums for catastrophic coverage, protecting against major unexpected health events.

Midlothian is home to Bon Secours St Francis Medical Center, the primary acute care hospital in Chesterfield County. When choosing an Oscar Health plan, it is essential to verify that your preferred doctors and this hospital are in-network to ensure seamless access to care. A licensed health insurance agent can help you navigate these choices at no additional cost, providing personalized guidance and ensuring you enroll in a plan that meets your specific requirements.

Frequently Asked Questions

Are Oscar Health plans available in Midlothian, Virginia?

Yes, Oscar Health is one of 6 carriers confirmed to offer marketplace health insurance plans in Rating Area 3, which includes Midlothian and Chesterfield County, for the 2026 plan year. You can enroll in an Oscar Health plan through Marketplace Virginia.

What types of plans does Oscar Health offer in Midlothian?

Oscar Health, like other carriers in Virginia, offers a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific availability of each plan type will depend on the individual Oscar Health offerings in Rating Area 3 for 2026.

Can I get financial assistance for Oscar Health plans in Midlothian?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTC) to lower your monthly premiums. Cost-Sharing Reductions (CSRs) are also available for those with incomes up to 250% FPL, reducing out-of-pocket costs on Silver plans.

What hospitals can I use with Oscar Health in Midlothian?

Oscar Health plans in Midlothian will contract with specific hospital systems and providers. Bon Secours St Francis Medical Center, located directly in Midlothian, is a key acute care hospital in Chesterfield County. It is important to verify if this hospital and other preferred providers are in-network with your chosen Oscar Health plan before enrolling.