Oscar Health Insurance in Page County, Virginia
- Oscar Health is one of 6 carriers offering marketplace health plans in Page County for 2026.
- Page County residents may qualify for subsidies if their income is between 100% and 400% FPL, reducing Oscar Health premiums.
- Virginia expanded Medicaid in 2019, covering adults up to 138% FPL through Virginia Medicaid (FAMIS Plus).
- Page County is part of Rating Area 7, which also includes Augusta, Rockingham, and Shenandoah counties.
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What Oscar Health Plans Are Available in Page County?
Oscar Health typically offers Health Maintenance Organization (HMO) plans on the HealthCare.gov marketplace in Page County. HMO plans focus on coordinated care, requiring you to choose a primary care provider (PCP) within the network who then refers you to specialists. While Oscar Health is known for its technology-driven approach and user-friendly app, the specific plan offerings (Bronze, Silver, Gold, Platinum) and their benefits will vary. Page County, part of Virginia Rating Area 7, has a population of 23,727 with an uninsured rate of 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates. Residents of Page County needing acute care travel to a neighboring county, as there are no acute care hospitals within the county boundaries.Understanding Health Insurance Costs and Subsidies in Page County
The cost of an Oscar Health plan, or any other marketplace plan, in Page County depends on several factors, including your age, household size, and income. Thanks to the Affordable Care Act (ACA), financial assistance is available to make coverage more affordable.Advanced Premium Tax Credits (APTCs): If your household income is between 100% and 400% of the FPL, you may qualify for APTCs. These subsidies are paid directly to your insurer, reducing your monthly premium. For example, a single individual in Page County with a median income of $57,037 (per U.S. Census Bureau ACS 2024 5-year estimates) would likely qualify for significant premium assistance.
Cost-Sharing Reductions (CSRs): If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions. CSRs reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. These are only available on Silver-tier plans, making Silver plans a particularly strong value for eligible individuals and families.
Virginia Medicaid (FAMIS Plus) expanded in 2019, meaning adults with incomes up to 138% of the FPL may qualify for comprehensive, low-cost health coverage. Additionally, Virginia Medicaid (FAMIS Moms) covers pregnant women with incomes up to 200% FPL, and FAMIS (Family Access to Medical Insurance Security) covers uninsured children up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.
2026 Example Monthly Premium Costs (Before Subsidies)
While specific Oscar Health plan costs vary, here's a general idea of unsubsidized monthly premiums for a 40-year-old in Page County for 2026. Subsidies can significantly lower these amounts.
| Plan Tier | Estimated Monthly Premium (Age 40) |
|---|---|
| Bronze | $350 - $450 |
| Silver | $450 - $600 |
| Gold | $550 - $750 |
Note: These are illustrative ranges and not actual quotes. Your specific premium will depend on the chosen plan, your age, and whether you qualify for subsidies.
Health Insurance Carriers in Page County
In 2026, 6 carriers offer marketplace plans in Rating Area 7, which covers Augusta, Buena Vista, Harrisonburg, Lexington, Page, Rockbridge, Rockingham, Shenandoah, Staunton, Waynesboro counties. This ensures a competitive selection of plans for Page County residents. The confirmed carriers for Page County and Rating Area 7 are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
How to Choose the Right Oscar Health Plan in Page County
Choosing the right Oscar Health plan, or any other plan, involves evaluating your healthcare needs, financial situation, and preferred providers.Consider Your Healthcare Needs: If you visit the doctor frequently or have chronic conditions, a Gold or Silver plan with lower out-of-pocket costs (deductibles, copays) might be more cost-effective, especially if you qualify for CSRs on a Silver plan. If you're generally healthy and primarily want coverage for emergencies, a Bronze plan with a lower premium but higher deductible could be suitable.
Review Provider Networks: Ensure that your preferred doctors, specialists, and any healthcare facilities you use are in Oscar Health's network. For HMO plans, this is particularly important as out-of-network care is typically not covered (except in emergencies).
Compare Costs: Look beyond just the monthly premium. Consider the deductible, out-of-pocket maximum, copayments for doctor visits, and coinsurance for services. A plan with a lower premium may have higher out-of-pocket costs when you use care, and vice-versa.
Utilize HealthCare.gov: The official HealthCare.gov website is the primary place to compare plans, check your subsidy eligibility, and enroll. You can filter by carrier, plan type, and metal tier to narrow down your options.