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

Oscar Health Insurance in Radford, Virginia

Oscar Health is one of 6 carriers offering marketplace plans in Radford, Virginia's Rating Area 5 for 2026.
Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level.
Residents of Radford may qualify for significant subsidies (Premium Tax Credits) to lower monthly premiums on Oscar Health plans.
Radford, an independent city, has a population of 16,726 and an uninsured rate of 4.9%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're looking for health insurance options in Radford, Virginia, Oscar Health is among the carriers providing plans through Marketplace Virginia / HealthCare.gov. For 2026, residents in Radford can explore various Oscar Health plans, which often feature technology-driven tools for managing care and benefits. Understanding your eligibility for financial assistance, which can significantly reduce your monthly premiums and out-of-pocket costs, is a crucial first step. Virginia's marketplace offers a variety of plan structures, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, ensuring you can find coverage that fits your specific health needs and budget.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Oscar Health Plans Are Available in Radford?

Oscar Health is a confirmed carrier offering health insurance plans in Radford, Virginia, for the 2026 plan year. As part of Virginia Rating Area 5, Oscar Health provides options that integrate with local healthcare providers and systems. When you search for plans on Marketplace Virginia / HealthCare.gov, you will see a range of Oscar Health plans, typically available 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.

Radford, an independent city treated as its own county for FIPS purposes, 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. This area has a population of 16,726 with a median age of 23.3 years. The city's uninsured rate stands at 4.9%, per U.S. Census Bureau ACS 2024 5-year estimates, which is below the state average, indicating strong access to coverage options for its residents.

Oscar Health plans, like those from other carriers in Virginia, come in various structures. Virginia's marketplace allows for the selection of HMO, PPO, and EPO plans on-exchange. This means you have flexibility in choosing a plan that aligns with your preference for provider networks and referral requirements. It's important to review the specific plan details, including the provider network, deductibles, copayments, and out-of-pocket maximums, before making a decision.

Financial Assistance for Oscar Health Plans in Radford

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

Premium Tax Credits (PTC): These credits reduce your monthly health insurance premium. You can choose to have them paid directly to your insurer each month, lowering your payment, or claim them as a lump sum on your tax return.
Cost-Sharing Reductions (CSRs): Available only with Silver-tier plans, CSRs reduce the amount you have to pay for deductibles, copayments, and out-of-pocket maximums. This makes healthcare more affordable when you need to use it.

For 2026, individuals and families earning up to 400% FPL may qualify for Premium Tax Credits. Those with incomes between 100% and 250% FPL, and who enroll in a Silver plan, are typically eligible for Cost-Sharing Reductions. For example, a single individual in Virginia earning $30,000 (around 200% FPL) would likely qualify for substantial premium tax credits and cost-sharing reductions, making a Silver plan highly beneficial.

Virginia Medicaid and FAMIS Programs

Virginia expanded its Medicaid program in 2019, meaning more adults in Radford are now eligible for comprehensive, low-cost health coverage. If your household income is at or below 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides extensive benefits with no monthly premiums and minimal out-of-pocket costs. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children in households up to 200% FPL are covered by FAMIS (Family Access to Medical Insurance Security). For children with incomes between 200% and 400% FPL, FAMIS Select offers low-cost health insurance. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Radford

In 2026, 6 carriers offer marketplace plans in Rating Area 5, which includes Radford, Virginia. These carriers provide a range of options across different metal tiers and plan types (HMO, PPO, EPO). When evaluating your choices, consider not only the monthly premium but also the plan's network, deductibles, and out-of-pocket maximums. The confirmed local carriers for Radford's Rating Area 5 in 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Comparing plans from these carriers can help you find the best fit for your healthcare needs and financial situation. Remember to check if your preferred doctors or specialists are in-network with any plan you are considering.

Choosing the Right Oscar Health Plan in Radford

Selecting the right health insurance plan involves balancing your budget with your expected healthcare needs. Here's a guide to help Radford residents make an informed decision:

Assess Your Health Needs: If you anticipate frequent doctor visits, prescription medications, or have a chronic condition, a Gold plan or a Silver plan with Cost-Sharing Reductions might be more cost-effective in the long run, despite higher monthly premiums, due to lower out-of-pocket costs when you use care. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan might suffice, especially if combined with a Health Savings Account (HSA).
Consider Your Budget: Evaluate what you can comfortably afford for monthly premiums. Remember that Premium Tax Credits can significantly reduce these costs. Use the subsidy calculator on Marketplace Virginia / HealthCare.gov to estimate your eligibility.
Check Provider Networks: Ensure that your preferred doctors, specialists, and hospitals are included in the plan's network. Radford County has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for acute care. It's especially important to verify network coverage for facilities in nearby communities if you have specific preferences.
Understand Plan Types: Virginia offers HMO, PPO, and EPO plans. HMOs typically have lower premiums but require you to stay within a network and get referrals. PPOs offer more flexibility to see out-of-network providers (at a higher cost) without referrals. EPOs are similar to HMOs but usually don't require referrals for in-network specialists.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans and other options from the 6 carriers available in Radford. Their assistance is free and can help you navigate the complexities of plan selection and financial aid.

Frequently Asked Questions

Is Oscar Health insurance available in Radford, Virginia?

Yes, Oscar Health is one of 6 carriers offering marketplace health insurance plans in Radford, Virginia's Rating Area 5 for the 2026 plan year. Residents can explore Oscar Health plans alongside options from other local insurers.

How do I apply for Oscar Health insurance in Radford?

You can apply for Oscar Health insurance, and other marketplace plans, through Marketplace Virginia / HealthCare.gov during Open Enrollment or if you qualify for a Special Enrollment Period. A licensed health insurance producer can assist you with the application process and compare plans at no cost.

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

Yes, individuals and families in Radford may qualify for subsidies (Premium Tax Credits and Cost-Sharing Reductions) to lower their monthly premiums and out-of-pocket costs on Oscar Health plans purchased through Marketplace Virginia / HealthCare.gov. Eligibility is based on household income relative to the Federal Poverty Level.

What types of plans does Oscar Health offer in Virginia?

Oscar Health, like other carriers in Virginia, typically 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 vary by rating area and plan year.