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

Oscar Health Insurance in Montgomery County, Virginia

Oscar Health is one of 6 health insurance carriers offering plans on Marketplace Virginia (HealthCare.gov) in Montgomery County for 2026.
Montgomery County is part of Virginia Rating Area 5, which includes 18 other counties.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level.
Residents may qualify for premium tax credits and cost-sharing reductions to lower the cost of Oscar Health plans if their income is between 100% and 400% FPL.

Navigating health insurance options in Montgomery County, Virginia, can feel complex, but residents have several choices, including plans from Oscar Health. Oscar Health offers a range of Affordable Care Act (ACA) compliant plans through Marketplace Virginia (HealthCare.gov), providing options for individuals and families seeking coverage. These plans often feature integrated technology tools designed to simplify healthcare access and management for members. Understanding your eligibility for financial assistance, the types of plans available, and how they connect with local healthcare providers like Carilion New River Valley Medical Center and Lewisgale Hospital Montgomery is key to making an informed decision.

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What Oscar Health Plans Are Available in Montgomery County?

For 2026, Oscar Health is one of six carriers participating in Virginia's health insurance marketplace for residents of Montgomery County. When shopping for an Oscar Health plan, you'll typically find options across different metal tiers: Bronze, Silver, Gold, and sometimes Platinum. Each tier offers a different balance of monthly premium costs versus out-of-pocket expenses for medical care.

Metal Tier	Key Feature	Best For
Bronze	Lowest monthly premiums, highest deductibles. Covers 60% of costs on average.	Healthy individuals who want protection against catastrophic medical costs.
Silver	Moderate premiums and deductibles. Covers 70% of costs on average. Essential for subsidies.	Individuals and families who qualify for cost-sharing reductions, as these are only available with Silver plans.
Gold	Higher monthly premiums, lower deductibles and out-of-pocket costs. Covers 80% of costs on average.	Those who anticipate frequent medical care and prefer lower costs when they use services.

Virginia's marketplace offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Oscar Health plans may fall into one of these categories, each dictating how you access care. HMOs typically require you to choose a primary care physician (PCP) and get referrals for specialists, while PPOs offer more flexibility to see out-of-network providers at a higher cost. EPOs are similar to HMOs but usually do not require a PCP referral for specialists within the network. It's crucial to check the specific plan details to understand its network structure and how it aligns with your preferred doctors and facilities in Montgomery County.

Financial Assistance for Oscar Health Plans in Montgomery County

Many Montgomery County residents qualify for financial assistance, making Oscar Health plans more affordable. The Affordable Care Act (ACA) provides two main types of subsidies:

Premium Tax Credits (PTC): These reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL), generally for incomes between 100% and 400% FPL.
Cost-Sharing Reductions (CSR): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and are for individuals with incomes up to 250% FPL.

For example, a single person in Montgomery County earning up to approximately $58,320 in 2026 (400% FPL) could qualify for premium tax credits. A family of four earning up to about $120,000 might also be eligible. Virginia expanded Medicaid in 2019 (Virginia Medicaid Expansion / FAMIS Plus), meaning adults with incomes up to 138% FPL may qualify for comprehensive, low-cost or no-cost health coverage. This translates to an income of roughly $20,120 for an individual or $41,400 for a family of four. Pregnant women with incomes up to 200% FPL may qualify for FAMIS Moms, and children up to 200% FPL for FAMIS. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Montgomery County

Montgomery County is part of Virginia 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. In 2026, 6 carriers offer marketplace plans in Rating Area 5, providing residents with a robust selection of health insurance options. These carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When considering an Oscar Health plan, it's beneficial to compare its offerings with those from other carriers in terms of premiums, deductibles, out-of-pocket maximums, and network providers. All plans available on Marketplace Virginia (HealthCare.gov) are required to cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and maternity care.

Local Healthcare Providers and Oscar Health

Montgomery County, with a population of 99,101 and an uninsured rate of 4.8% per U.S. Census Bureau ACS 2024 5-year estimates, is served by two acute care hospitals. Residents have access to Carilion New River Valley Medical Center in Christiansburg and Lewisgale Hospital Montgomery in Blacksburg. When selecting an Oscar Health plan, it is crucial to verify that your preferred doctors, specialists, and these local hospitals are included in the plan's network. Out-of-network care can result in significantly higher costs, so reviewing the provider directory for any prospective plan is a vital step.

Making Your Health Insurance Decision in Montgomery County

Choosing the right Oscar Health plan, or any plan, involves weighing several factors. Consider your expected healthcare needs, your budget for monthly premiums, and your comfort level with potential out-of-pocket costs.

Your Situation	Recommended Action
Income below 138% FPL (e.g., $20,120 for an individual)	Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov for comprehensive, low-cost coverage.
Income 100%–250% FPL (e.g., $14,580–$36,450 for an individual)	Enroll in a Silver plan through Marketplace Virginia (HealthCare.gov) to maximize premium tax credits and cost-sharing reductions.
Income 250%–400% FPL (e.g., $36,450–$58,320 for an individual)	Enroll in any metal tier plan through Marketplace Virginia (HealthCare.gov) to receive premium tax credits. Compare Bronze, Silver, and Gold options.
Income above 400% FPL (e.g., over $58,320 for an individual)	Enroll through Marketplace Virginia (HealthCare.gov) or directly with a carrier. You will not qualify for subsidies but benefit from ACA protections.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans with other local options, verify network coverage, and ensure you receive all eligible financial assistance. Their services are typically free to you, as they are compensated by the insurance carriers.

Frequently Asked Questions

Is Oscar Health insurance available in Montgomery County, Virginia?

Yes, Oscar Health is one of six carriers offering health insurance plans on the Marketplace Virginia (HealthCare.gov) platform for residents of Montgomery County and Rating Area 5 in 2026.

What types of plans does Oscar Health offer in Montgomery County?

Oscar Health, along with other carriers in Virginia, typically offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the Marketplace. Specific plan types and networks vary by year and exact plan.

Can I get financial help to pay for an Oscar Health plan in Montgomery County?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits and cost-sharing reductions when enrolling through Marketplace Virginia (HealthCare.gov). Virginia also expanded Medicaid for adults up to 138% FPL.

Which hospitals in Montgomery County accept Oscar Health plans?

Residents of Montgomery County have access to acute care facilities such as Carilion New River Valley Medical Center in Christiansburg and Lewisgale Hospital Montgomery in Blacksburg. Specific network participation for Oscar Health plans should be verified directly with Oscar Health or through the plan's provider directory.