Oscar Health Insurance Plans in Surry County, Virginia

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

Oscar Health is one of 6 carriers offering marketplace plans in Surry County, Virginia for the 2026 plan year.
Surry County is part of Virginia Rating Area 4, which includes 16 other counties and cities in the Hampton Roads region.
Individuals and families in Surry County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for significant premium tax credits.
Virginia Medicaid (FAMIS Plus) covers adults with incomes up to 138% FPL, and pregnant women up to 200% FPL through FAMIS Moms.

If you are looking for health insurance options from Oscar Health in Surry County, Virginia, you have choices through the Marketplace Virginia or HealthCare.gov. Oscar Health is one of six confirmed carriers providing coverage in Rating Area 4 for 2026, which encompasses Surry County and many of its neighboring localities. Understanding the available plan types, financial assistance options, and local healthcare landscape can help you make an informed decision about your coverage. Virginia's expanded Medicaid program also offers a pathway to coverage for many residents with lower incomes.

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What Oscar Health Plans Are Available in Surry County?

Oscar Health offers various health insurance plans designed to meet different needs and budgets for residents of Surry County. As part of Virginia Rating Area 4, which covers Chesapeake, Franklin, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, York counties, Oscar Health provides plans alongside other major insurers. In Virginia, marketplace shoppers can choose from HMO, PPO, and EPO plan structures. Oscar Health typically specializes in Health Maintenance Organization (HMO) plans, which emphasize coordinated care through a primary care provider (PCP) and require referrals for specialists. All plans offered through the Marketplace Virginia cover essential health benefits, including doctor visits, prescription drugs, emergency services, mental health care, and maternity care.

Understanding Financial Assistance and Virginia Medicaid

Affordable Care Act (ACA) plans, including those from Oscar Health, are often more affordable than many people realize due to federal subsidies. These subsidies come in two main forms:

Income Level (as % of FPL)	Type of Assistance	Benefit
Below 138% FPL	Virginia Medicaid (FAMIS Plus)	Comprehensive, low-cost or free coverage for adults.
100% - 400% FPL	Premium Tax Credits	Lowers your monthly premium payment for marketplace plans.
150% - 250% FPL	Cost-Sharing Reductions (CSRs)	Reduces out-of-pocket costs like deductibles, copayments, and coinsurance when you choose a Silver plan.
Pregnant Women (up to 200% FPL)	Virginia Medicaid (FAMIS Moms)	Comprehensive prenatal, delivery, and 12-month postpartum care.
Children (up to 200% FPL)	FAMIS (CHIP)	Low-cost health coverage for uninsured children.

For Surry County residents, Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage through Virginia Medicaid or FAMIS Plus. Pregnant women can qualify for FAMIS Moms coverage up to 200% FPL, which includes 12 months of postpartum care. Children in households up to 200% FPL may qualify for FAMIS. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Surry County

For the 2026 plan year, Surry County residents can choose from a robust selection of health insurance carriers on the Marketplace Virginia. In 2026, 6 carriers offer marketplace plans in Rating Area 4, which includes Surry County:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a variety of plans across different metal tiers (Bronze, Silver, Gold, Platinum), allowing you to compare costs, benefits, and network options to find the best fit for your healthcare needs. Surry County, part of Virginia Rating Area 4, has a population of 6,549 residents and an uninsured rate of 3.1% per U.S. Census Bureau ACS 2024 5-year estimates. This relatively low uninsured rate suggests that many residents are successfully accessing coverage through the marketplace or Medicaid.

Navigating Healthcare in Surry County

Surry County has no acute care hospitals within its boundaries. Residents needing acute care typically travel to neighboring counties within Rating Area 4 for hospital services. Nearby major cities like Newport News and Suffolk offer several hospitals and extensive healthcare facilities. When selecting an Oscar Health plan, it is important to review the provider network to ensure it includes convenient access to doctors, specialists, and hospitals that meet your needs, even if they are located in an adjacent county.

Making the Right Choice for Your Health Coverage

Choosing the right health insurance plan, whether from Oscar Health or another carrier, involves evaluating your specific healthcare needs, budget, and preferred doctors.

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This provides comprehensive coverage with minimal or no cost.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits that can significantly reduce your monthly health insurance premiums on Marketplace Virginia.
If your income is between 150% and 250% FPL: Consider a Silver plan, as you may also qualify for cost-sharing reductions, lowering your out-of-pocket expenses like deductibles and copays.
If you are pregnant or have children: Explore FAMIS Moms for pregnant individuals (up to 200% FPL) and FAMIS for children (up to 200% FPL) through commonhelp.virginia.gov.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans with those from other carriers in Surry County and determine your eligibility for financial assistance.

Frequently Asked Questions

Can I get an Oscar Health plan in Surry County, Virginia?

Yes, Oscar Health is one of six carriers offering health insurance plans on the Marketplace Virginia in Rating Area 4, which includes Surry County, for the 2026 plan year.

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

Oscar Health typically offers HMO plans, which provide coverage through a network of doctors and hospitals. You may need to choose a primary care provider (PCP) and get referrals for specialists within their network.

How do I know if I qualify for financial assistance for an Oscar Health plan?

Eligibility for subsidies depends on your household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% FPL may qualify for premium tax credits, which can significantly lower monthly costs. Cost-sharing reductions are also available for those with incomes up to 250% FPL.

What if I need emergency care in Surry County, which has no local hospitals?

Surry County residents needing acute care typically travel to neighboring counties within Rating Area 4, such as Newport News or Suffolk, where several acute care hospitals are located. Oscar Health plans cover emergency services regardless of whether the facility is in-network.