Oscar Health Insurance Plans in Virginia Beach, Virginia

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

Oscar Health is one of six confirmed carriers offering marketplace health insurance plans in Virginia Beach for 2026.
Virginia Beach is part of Rating Area 4, which includes 17 counties and independent cities in the Hampton Roads region.
Marketplace Virginia (using HealthCare.gov) offers HMO, PPO, and EPO plans from Oscar Health and other insurers.
Approximately 6.3% of Virginia Beach residents are uninsured, per U.S. Census Bureau ACS 2024 5-year estimates.
Virginia expanded Medicaid in 2019, covering adults up to 138% of the Federal Poverty Level (FPL).

Navigating health insurance options in Virginia Beach, Virginia, involves understanding the plans available through the state's marketplace, particularly from carriers like Oscar Health. For 2026, Oscar Health offers various health insurance plans to residents of Virginia Beach, providing choices for individuals and families seeking coverage. These plans are available alongside offerings from five other carriers in Rating Area 4, ensuring a competitive market. Eligibility for subsidies and plan specifics depend on your household income and healthcare needs.

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 Virginia Beach for 2026?

In 2026, Oscar Health is a confirmed carrier participating in the health insurance marketplace for Virginia Beach, Virginia. Virginia Beach falls within Rating Area 4, which covers Chesapeake, Franklin, Hampton, Isle of Wight, James City, Newport News, Norfolk, Northampton, Poquoson, Portsmouth, Southampton, Suffolk, Surry, Virginia Beach, Williamsburg, and York counties. This means Oscar Health plans offered here are designed for this specific geographic region. Across Virginia, consumers can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the marketplace. Oscar Health typically offers a range of these plan types, allowing you to select an option that balances network flexibility, cost, and access to care. It is crucial to review the specific plan documents to understand network restrictions, deductibles, copayments, and out-of-pocket maximums before enrolling.

Understanding Health Insurance Tiers and Costs in Virginia Beach

Health insurance plans on Marketplace Virginia are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of your healthcare.

Bronze plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are designed primarily to protect you from catastrophic medical bills. They cover 60% of costs on average, while you pay 40%.
Silver plans: Offering a balance of monthly premiums and out-of-pocket costs, Silver plans are unique because they are eligible for Cost-Sharing Reductions (CSRs) if your income qualifies. They cover 70% of costs on average, while you pay 30%.
Gold plans: These plans have higher monthly premiums but lower deductibles and out-of-pocket costs when you need care. They are suitable if you anticipate needing frequent medical services. They cover 80% of costs on average, while you pay 20%.
Platinum plans: With the highest monthly premiums, Platinum plans offer the lowest deductibles and out-of-pocket costs, covering approximately 90% of your medical expenses. They are ideal for those who expect extensive medical care.

Your specific costs for an Oscar Health plan in Virginia Beach will depend on the chosen tier, your age, household size, and whether you qualify for financial assistance.

Financial Assistance for Virginia Beach Residents

Many Virginia Beach residents qualify for financial assistance, which can significantly reduce the cost of health insurance.

Premium Tax Credits (Subsidies): If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for premium tax credits. These credits can be applied directly to your monthly premium, lowering your out-of-pocket cost.
Cost-Sharing Reductions (CSRs): If your income is between 100% and 250% of the FPL, and you enroll in a Silver plan, you may also qualify for CSRs. These reductions lower your deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you use it.

For example, a single individual in Virginia Beach with an income of $35,000 (around 250% FPL) would likely qualify for substantial premium tax credits and cost-sharing reductions on a Silver plan.

Virginia Medicaid and FAMIS Plus in Virginia Beach

Virginia expanded its Medicaid program in 2019, now known as Virginia Medicaid Expansion or FAMIS Plus. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal care, labor, delivery, and 12 months of postpartum care. For children, the Family Access to Medical Insurance Security (FAMIS) program covers uninsured children in households up to 200% FPL. Children between 200% and 400% FPL may qualify for low-cost coverage through FAMIS Select. Residents can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Virginia Beach

In 2026, six carriers offer marketplace plans in Rating Area 4, which includes Virginia Beach. These carriers provide a range of options, from Health Maintenance Organization (HMO) plans focused on managed care to Preferred Provider Organization (PPO) and Exclusive Provider Organization (EPO) plans offering varying degrees of network flexibility. The confirmed carriers for Virginia Beach and Rating Area 4 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Virginia Beach, Virginia, with a population of 456,349, is part of Rating Area 4. This area, which covers 17 counties and independent cities in the Hampton Roads region, has an uninsured rate of 6.3%, according to U.S. Census Bureau ACS 2024 5-year estimates. Major acute care hospitals in Virginia Beach include Sentara Virginia Beach General Hospital and Sentara Princess Anne Hospital, which are part of the broader Sentara Health Plans network. When selecting an Oscar Health plan or any other carrier, verify that your preferred doctors and local hospitals are included in the plan's network for 2026.

Choosing the Right Oscar Health Plan in Virginia Beach

Selecting the best Oscar Health plan for your needs in Virginia Beach involves considering several factors:

Budget: Determine how much you can comfortably spend on monthly premiums versus potential out-of-pocket costs like deductibles and copayments.
Healthcare Needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Platinum plan with lower out-ofpocket costs after the premium might be more suitable. If you primarily want coverage for emergencies, a Bronze plan might be sufficient.
Doctor and Hospital Preferences: Verify that your current doctors, specialists, and preferred hospitals (such as Sentara Virginia Beach General Hospital or Sentara Princess Anne Hospital) are in the network of any Oscar Health plan you are considering. HMO and EPO plans typically have more restricted networks than PPO plans.
Financial Assistance Eligibility: Check if your income qualifies you for premium tax credits or Cost-Sharing Reductions, which can significantly impact your net costs.

A licensed health insurance producer can provide personalized guidance, help you compare Oscar Health plans with those from other carriers, and ensure you receive all eligible financial assistance. This service is typically free to you.

Frequently Asked Questions

Are Oscar Health plans available in Virginia Beach, Virginia?

Yes, Oscar Health is one of six carriers offering health insurance plans through Marketplace Virginia / HealthCare.gov in Rating Area 4 for 2026, which includes Virginia Beach.

What types of Oscar Health plans can I find in Virginia Beach?

In Virginia, Oscar Health and other carriers offer various plan types, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs) on the marketplace. You can compare these options based on your preferred network and cost structure.

Can I get financial assistance for Oscar Health plans in Virginia Beach?

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 payments. Those between 100% and 250% FPL may also be eligible for Cost-Sharing Reductions (CSRs) to reduce out-of-pocket costs on Silver plans.

How does Oscar Health integrate with local hospitals in Virginia Beach?

Oscar Health plans, like all marketplace plans, contract with local hospital systems. In Virginia Beach, major acute care hospitals include Sentara Virginia Beach General Hospital and Sentara Princess Anne Hospital. When choosing an Oscar Health plan, it's essential to verify that your preferred doctors and hospitals are in the plan's network for 2026.