Oscar Health Insurance in Roanoke, Virginia

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

Oscar Health is one of 6 confirmed carriers offering marketplace health plans in Roanoke's Rating Area 5 for 2026.
Roanoke residents may qualify for premium tax credits if their income is between 100% and 400% FPL, with Virginia having expanded Medicaid to 138% FPL.
Virginia's marketplace offers a variety of plan types, including HMO, PPO, and EPO options.
The uninsured rate in Roanoke is 9.8%, per U.S. Census Bureau ACS 2024 5-year estimates, indicating many residents could benefit from coverage.

Navigating your health insurance options in Roanoke, Virginia, can feel complex, but understanding the local marketplace makes it clearer. Oscar Health offers a range of health insurance plans to residents in Roanoke and the surrounding Rating Area 5, providing another choice for individuals and families seeking coverage. These plans are available through Marketplace Virginia, the state's official health insurance exchange. Depending on your income, you may be eligible for significant financial assistance to make an Oscar Health plan, or any other marketplace plan, more affordable.

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What Are My Oscar Health Plan Options in Roanoke?

In Roanoke, Oscar Health participates in Marketplace Virginia, offering various health maintenance organization (HMO), preferred provider organization (PPO), and exclusive provider organization (EPO) plans. The specific plan designs and networks will vary, but generally, Oscar Health provides options across the "metal tiers": Bronze, Silver, Gold, and sometimes Platinum.

Bronze plans typically have lower monthly premiums and higher deductibles, suitable for those who want protection against catastrophic costs.
Silver plans offer a balance of premiums and out-of-pocket costs. They are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which further reduce deductibles, copayments, and out-of-pocket maximums.
Gold plans come with higher monthly premiums but lower deductibles and out-of-pocket costs, ideal for those who expect to use medical services more frequently.

Marketplace Virginia (which uses HealthCare.gov) is the platform where you can compare Oscar Health plans side-by-side with other carriers, view pricing, and determine your eligibility for financial assistance.

Who Else Offers Marketplace Health Plans in Roanoke?

For 2026, Roanoke residents in Rating Area 5 have a choice of six health insurance carriers offering plans through Marketplace Virginia. This competition provides a variety of options to suit different needs and budgets. The confirmed carriers for Rating Area 5 include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Roanoke, Virginia, located in Rating Area 5, which covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Salem, Smyth, and Wythe counties, had a population of 98,355 and an uninsured rate of 9.8%, per U.S. Census Bureau ACS 2024 5-year estimates. The primary hospital system serving the city is Carilion Medical Center, which is located in Roanoke and is part of the larger network of medical facilities available to residents.

Understanding Costs and Subsidies for Oscar Health Plans

The cost of an Oscar Health plan in Roanoke depends on several factors, including your age, household size, chosen metal tier, and crucially, your income. Virginia has expanded Medicaid, and financial assistance is available through Marketplace Virginia for those who qualify.

Federal Poverty Level (FPL)	Eligibility in Virginia	Impact on Costs
Below 138% FPL	May qualify for Virginia Medicaid (FAMIS Plus)	No premiums, minimal or no out-of-pocket costs. This includes pregnant women up to 200% FPL (FAMIS Moms) and children up to 200% FPL (FAMIS).
100% - 400% FPL	Eligible for Premium Tax Credits (subsidies)	Lowers your monthly premium payment. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in Rating Area 5.
150% - 250% FPL	Eligible for Cost-Sharing Reductions (CSRs) with Silver plans	Further reduces deductibles, copayments, and out-of-pocket maximums for Silver plans, making them significantly more affordable.
Above 400% FPL	Not eligible for federal subsidies	You pay the full premium for your chosen Oscar Health plan. Comparing plans carefully is essential.

For example, a single individual in Roanoke with an income of $35,000 (around 250% FPL) would likely qualify for substantial premium tax credits and potentially Cost-Sharing Reductions on a Silver plan, making comprehensive coverage from Oscar Health or another carrier very affordable.

How to Enroll in an Oscar Health Plan in Roanoke

Enrolling in an Oscar Health plan or any other marketplace plan in Roanoke typically happens during the annual Open Enrollment Period (OEP), which usually runs from November 1st to January 15th for coverage starting the following year. Outside of OEP, you may still be able to enroll if you experience a Qualifying Life Event (QLE). QLEs include major life changes such as:

Losing existing health coverage (e.g., job loss, COBRA ending)
Getting married or divorced
Having a baby or adopting a child
Moving to a new rating area
Certain changes in income or household size

If you qualify for a Special Enrollment Period (SEP), you generally have 60 days from the date of your QLE to select a new plan. Marketplace Virginia is the primary portal for enrollment, whether during OEP or an SEP.

Making the Right Choice for Your Health Coverage

Choosing the right health insurance plan, whether from Oscar Health or another carrier, involves considering your anticipated medical needs, budget, and preferred doctors or hospitals. Roanoke County has Carilion Medical Center as a major acute care hospital, and ensuring your chosen plan includes your preferred providers and facilities is an important step. Consider these factors when evaluating Oscar Health plans:

Network: Check if your doctors and preferred hospitals, like Carilion Medical Center, are in Oscar Health's network for the specific plan you are considering.
Prescription Drug Coverage: Review the plan's formulary to ensure your necessary medications are covered and understand the associated costs.
Out-of-Pocket Costs: Compare deductibles, copayments, coinsurance, and out-of-pocket maximums across different metal tiers.
Additional Benefits: Some plans offer extra benefits like telehealth services, wellness programs, or pediatric dental/vision.

For personalized guidance, a licensed health insurance producer can help you compare Oscar Health plans with those from other carriers in Rating Area 5, clarify subsidy eligibility, and assist with the enrollment process at no cost to you.

Frequently Asked Questions

Is Oscar Health insurance available in Roanoke, Virginia?

Yes, Oscar Health is one of six carriers offering marketplace health insurance plans in Roanoke, Virginia, for the 2026 plan year. Residents in Rating Area 5 can enroll in Oscar Health plans through Marketplace Virginia.

What types of plans does Oscar Health offer in Roanoke?

Oscar Health, like other carriers in Virginia, typically offers HMO, PPO, and EPO plan types on the Marketplace Virginia platform. The specific plans and their structures will vary by metal tier (Bronze, Silver, Gold, Platinum).

Can I get a subsidy for an Oscar Health plan in Roanoke?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for any marketplace plan, including those from Oscar Health. Enhanced subsidies are available through 2025.

How do I enroll in an Oscar Health plan in Roanoke?

You can enroll in an Oscar Health plan through Marketplace Virginia (which uses HealthCare.gov). Enrollment typically occurs during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event.