Oscar Health Insurance in Pulaski County, VA

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

Oscar Health is one of 6 carriers offering marketplace plans in Pulaski County's Rating Area 5 for 2026.
Pulaski County residents can choose from HMO, PPO, and EPO plans on Marketplace Virginia.
Individuals with incomes between 100-400% FPL may qualify for subsidies to reduce Oscar Health plan costs.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women up to 200% FPL.

For residents of Pulaski County, Virginia, Oscar Health offers a range of health insurance options through Marketplace Virginia for the 2026 plan year. As one of six confirmed carriers serving Rating Area 5, Oscar Health provides competitive plans for individuals and families seeking Affordable Care Act (ACA) compliant coverage. Whether you are looking for an HMO, PPO, or EPO plan, you can compare Oscar Health's offerings with those from other insurers to find a plan that fits your budget and healthcare needs. Many Pulaski County residents will also qualify for financial assistance, such as premium tax credits, to make coverage more affordable based on household income.

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What Oscar Health Plans Are Available in Pulaski County?

In Pulaski County, Oscar Health participates in Marketplace Virginia (HealthCare.gov), offering various health insurance plans designed to meet different budget and coverage preferences. These plans are fully compliant with the Affordable Care Act, meaning they cover essential health benefits like emergency services, prescription drugs, mental health care, and maternity care, without annual or lifetime limits. Virginia's health insurance marketplace is robust, allowing Pulaski County residents to choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means you are not limited to just HMOs or EPOs; PPO plans are also available on-exchange from several carriers, including options like HealthKeepers Plus PPO, Cigna HMO and PPO, and United Healthcare HMO and PPO. Oscar Health typically offers HMO and EPO structures in the region. When considering an Oscar Health plan, it is important to review the specific plan's network to ensure your preferred doctors and Lewisgale Hospital Pulaski are included.

Understanding Subsidies and Virginia Medicaid in Pulaski County

Making health insurance affordable is a key aspect of the ACA, and many Pulaski County residents qualify for financial assistance. Subsidies, specifically Premium Tax Credits, are available for individuals and families whose household income falls between 100% and 400% of the Federal Poverty Level (FPL). These credits can significantly reduce your monthly premium for an Oscar Health plan or any other marketplace plan. For those with lower incomes, Virginia offers expanded Medicaid coverage. Adults with household income up to 138% FPL may qualify for Virginia Medicaid (also known as FAMIS Plus), which provides comprehensive health benefits with no premiums or deductibles. Pulaski County, with a poverty rate of 14.4% (per U.S. Census Bureau ACS 2024 5-year estimates), has a notable portion of its population who may be eligible for this program. Additionally, pregnant women with incomes up to 200% FPL qualify for Virginia Medicaid (FAMIS Moms), covering prenatal care, delivery, and 12 months of postpartum care. Children in households up to 200% FPL are covered by FAMIS, and those between 200% and 400% FPL may qualify for low-cost FAMIS Select.

Health Insurance Carriers in Pulaski County

Pulaski County is part of Virginia Rating Area 5, which covers 19 counties: 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 strong selection of options. These confirmed carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Pulaski County's 33,687 residents, with a median age of 46.8 years, have an uninsured rate of 5.5%, lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates. The county is served by Lewisgale Hospital Pulaski, an acute care facility located in Pulaski, making local network access an important consideration when selecting a plan. When comparing Oscar Health with other carriers, it is advisable to check each plan's provider directory to ensure your preferred medical facilities and specialists are in-network.

Choosing the Right Oscar Health Plan for You

Selecting the ideal Oscar Health plan or any other health insurance plan involves evaluating several factors, including your healthcare needs, budget, and preferred doctors. Here’s a decision-making guide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This offers comprehensive, low-cost coverage. You can apply through commonhelp.virginia.gov.
If your income is between 100% and 250% FPL: In addition to premium tax credits, you may qualify for Cost-Sharing Reductions (CSRs) on Silver plans. CSRs lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a highly valuable option.
If your income is between 250% and 400% FPL: You are eligible for premium tax credits, which can be applied to any metal tier plan (Bronze, Silver, Gold). Compare the monthly premiums and potential out-of-pocket costs of different Oscar Health plans or other carriers.
Consider your healthcare usage: If you anticipate frequent doctor visits or need specific prescriptions, a Gold or Silver plan with lower out-of-pocket costs might be more economical in the long run, even if it has a higher premium. If you are generally healthy and prefer lower monthly payments, a Bronze or Catastrophic plan (if eligible) could be suitable, but be aware of higher deductibles.

Navigating the various plan options and subsidy qualifications can be complex. A licensed health insurance producer who specializes in the Virginia marketplace can provide personalized, unbiased assistance at no cost to you. They can help you compare Oscar Health plans with other offerings, verify network compatibility, and ensure you receive all eligible financial assistance.

Frequently Asked Questions

Is Oscar Health insurance available in Pulaski County, VA?

Yes, Oscar Health is one of six confirmed carriers offering marketplace health insurance plans in Pulaski County, Virginia, for the 2026 plan year. Residents can compare Oscar Health plans alongside options from other insurers on Marketplace Virginia.

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

Oscar Health, like other carriers in Virginia's marketplace, typically offers a range of plan types including Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Virginia also offers Preferred Provider Organization (PPO) plans on-exchange from other carriers, giving Pulaski County residents diverse choices.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to help lower the cost of an Oscar Health plan, or any other marketplace plan. Individuals below 138% FPL may qualify for Virginia Medicaid. You can apply through Marketplace Virginia.

How do I enroll in an Oscar Health plan in Pulaski County?

Enrollment for Oscar Health plans, or any other marketplace plan, occurs through Marketplace Virginia (HealthCare.gov). You can apply during the annual Open Enrollment Period or during a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed health insurance producer can assist you at no cost.