Oscar Health Insurance in Roanoke County, Virginia

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

For residents of Roanoke County, Virginia, Oscar Health insurance plans offer a range of options through HealthCare.gov, the federal marketplace platform used by Virginia. As one of six confirmed carriers serving Virginia Rating Area 5 for the 2026 plan year, Oscar Health provides choices for individuals and families seeking Affordable Care Act (ACA) compliant coverage. These plans often come with financial assistance in the form of premium tax credits, significantly reducing monthly costs for eligible households. Understanding the specific plans, network options, and subsidy eligibility is key to finding the right Oscar Health plan in Roanoke County.

What Oscar Health Plans Are Available in Roanoke County?

In Roanoke County, Oscar Health offers various health insurance plans that align with the Affordable Care Act's metal tiers: Bronze, Silver, and Gold. These plans are available through HealthCare.gov. Virginia's marketplace allows shoppers to choose from HMO, PPO, and EPO plan structures, providing flexibility in how you access care. Oscar Health's offerings will include some combination of these plan types, each designed to balance monthly premiums with out-of-pocket costs.

• Bronze plans: These plans typically have the lowest monthly premiums but higher deductibles and out-of-pocket maximums. They are suitable for individuals who expect to use medical services infrequently and primarily want protection against catastrophic health events.
• Silver plans: Offering a moderate balance between premiums and out-of-pocket costs, Silver plans are popular because they are the only tier eligible for Cost-Sharing Reductions (CSRs). If your income is below 250% of the Federal Poverty Level, CSRs can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a strong value.
• Gold plans: These plans come with higher monthly premiums but lower deductibles and out-of-pocket maximums. Gold plans are ideal for individuals or families who anticipate needing frequent medical care or who prefer more predictable costs throughout the year.

Oscar Health plans in Roanoke County utilize specific networks of doctors, specialists, and hospitals. For example, Carilion Medical Center in Roanoke, the county's primary acute care hospital, may be part of Oscar Health's network, depending on the specific plan chosen. It is always important to verify that your preferred providers are in-network before enrolling in a plan.

How Do Subsidies Affect Oscar Health Plan Costs?

The Affordable Care Act provides financial assistance to make health insurance more affordable for many Roanoke County residents. These subsidies come primarily in two forms:

1. Premium Tax Credits: These credits reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Virginia, if your income is between 100% and 400% FPL, you will likely qualify for a premium tax credit. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.
2. Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs lower the amount you have to pay for deductibles, copayments, and coinsurance. You are eligible for CSRs if your income is between 100% and 250% FPL. These reductions can make Silver plans significantly more comprehensive and affordable.

For individuals and families in Roanoke County whose income falls below 138% of the Federal Poverty Level, Virginia Medicaid (also known as FAMIS Plus for adults) offers comprehensive, low-cost or no-cost health coverage. Virginia expanded Medicaid in 2019, making coverage accessible to a broader population.

To determine your exact subsidy eligibility and the net cost of Oscar Health plans, you must apply through HealthCare.gov. The application will automatically calculate any financial assistance you qualify for based on your household information.

Health Insurance Carriers in Roanoke County

In 2026, 6 carriers offer marketplace plans in 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. Roanoke County's population of 97,023 with a median income of $83,709 and an uninsured rate of 3.9% (per U.S. Census Bureau ACS 2024 5-year estimates) benefits from a competitive marketplace. The confirmed carriers for this rating area are:

• CareFirst BlueChoice
• Cigna
• HealthKeepers
• Oscar Health
• Sentara Health Plans
• United Healthcare

Each of these carriers offers a variety of plans across the Bronze, Silver, and Gold metal tiers, including HMO, PPO, and EPO options. While Oscar Health is the focus here, it is advisable to compare plans from all available carriers to find the best fit for your specific health needs and budget.

Enrollment and Next Steps for Oscar Health Plans

Enrolling in an Oscar Health plan in Roanoke County typically occurs during the annual Open Enrollment Period, which usually runs from November 1st to January 15th for coverage starting the following year. However, certain life events may qualify you for a Special Enrollment Period (SEP) outside of this window. These qualifying life events include:

• Losing existing health coverage (e.g., due to job loss, aging off a parent's plan)
• Getting married or divorced
• Having a baby, adopting a child, or placing a child for foster care
• Moving to a new area that offers different health plans
• Changes in income that affect your eligibility for subsidies

If you experience a qualifying life event, you generally have 60 days from the event date to enroll in a new plan through HealthCare.gov. If you are unsure whether you qualify for an SEP or need assistance navigating the enrollment process, a licensed health insurance producer can provide free, unbiased guidance.

Here’s a general guide for next steps:

• If your income is below 138% FPL: Apply for Virginia Medicaid (FAMIS Plus) through commonhelp.virginia.gov. Pregnant women and children in Roanoke County may qualify for Virginia Medicaid (FAMIS Moms) or FAMIS up to 200% FPL.
• If your income is 100%–400% FPL: Use HealthCare.gov to compare Oscar Health plans and other available options. Your premium tax credits will be calculated automatically. Consider Silver plans for potential Cost-Sharing Reductions if your income is below 250% FPL.
• If your income is above 400% FPL: You can still purchase an Oscar Health plan through HealthCare.gov at full price, or explore off-marketplace options directly with carriers.

Frequently Asked Questions

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