Oscar Health Insurance in Warren County, Virginia

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

Oscar Health is one of 6 carriers offering health insurance plans on the Marketplace Virginia in Warren County for 2026.
Warren County is part of Virginia Rating Area 1, which covers 18 counties and independent cities in Northern Virginia.
Virginia expanded Medicaid in 2019, making coverage available for adults with incomes up to 138% of the Federal Poverty Level.
Marketplace plans in Warren County include HMO, PPO, and EPO options, with financial assistance available for eligible households earning up to 400% FPL.

Navigating health insurance options in Warren County, Virginia, can be straightforward, especially with carriers like Oscar Health offering plans through the Marketplace Virginia. For 2026, residents of Warren County can choose from a variety of Oscar Health plans, alongside options from other insurers. These plans are available with potential financial assistance in the form of premium tax credits and cost-sharing reductions, making coverage more affordable for many individuals and families. Whether you're seeking comprehensive coverage for yourself or your family, understanding the local landscape, including available carriers and financial aid, is key to making an informed decision.

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What Oscar Health Plans Are Available in Warren County for 2026?

In 2026, Oscar Health offers a selection of health insurance plans to residents throughout Warren County, which is part of Virginia Rating Area 1. These plans are accessible through the Marketplace Virginia (HealthCare.gov) during the annual Open Enrollment Period or via a Special Enrollment Period if you experience a qualifying life event. Oscar Health provides various plan tiers, including Bronze, Silver, Gold, and sometimes Platinum, designed to meet different budget and healthcare needs. Virginia's health insurance marketplace includes Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means that Oscar Health, like other carriers in the area, may offer plans across these structures, giving consumers flexibility in choosing how their care is managed. PPO plans are indeed available on-exchange in Virginia, allowing marketplace shoppers in Warren County to select from a broad range of plan designs.

Understanding Financial Assistance and Eligibility in Warren County

Affordable Care Act (ACA) subsidies are crucial for making health insurance accessible in Warren County. These subsidies come in two main forms: premium tax credits and cost-sharing reductions.

Premium Tax Credits: These credits reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Warren County, individuals and families with incomes between 100% and 400% FPL may qualify for these credits, which can be applied directly to your premium each month.

Cost-Sharing Reductions (CSRs): CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. To qualify for CSRs, your income must be between 100% and 250% FPL, and you must enroll in a Silver-tier plan. These reductions are automatically applied to qualifying Silver plans, making them a strong value for eligible individuals.

Warren County, with a population of 41,531 and a median income of $84,682, reflects a community where many residents may find these subsidies beneficial. The county's uninsured rate stands at 9.0% per U.S. Census Bureau ACS 2024 5-year estimates, indicating a significant portion of the population could benefit from affordable coverage options.

Virginia Medicaid and FAMIS Programs

Virginia expanded its Medicaid program in 2019, significantly broadening eligibility for low-income adults. In Warren County, adults with household incomes up to 138% of the Federal Poverty Level may qualify for Virginia Medicaid (also known as FAMIS Plus), which provides comprehensive health coverage with little to no cost. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal, delivery, and 12 months of postpartum care. Children in households up to 200% FPL can receive coverage through FAMIS (Family Access to Medical Insurance Security). For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options. Applications for these programs can be submitted through commonhelp.virginia.gov.

Health Insurance Carriers in Warren County

Warren County is part of Virginia Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing a competitive environment for consumers. The confirmed carriers offering marketplace plans in Warren County for 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Each of these carriers offers a variety of plan types and metal tiers, allowing residents to compare options based on their specific healthcare needs, preferred provider networks, and budget. For example, Warren Memorial Hospital in Front Royal, the county's single acute care hospital, will have different in-network statuses depending on the specific plan and carrier selected. It is always recommended to verify that your preferred doctors and hospitals are in-network with any plan you consider.

Choosing the Right Oscar Health Plan for Your Needs

Selecting the best Oscar Health plan in Warren County depends on several factors, including your income, health needs, and preferred level of out-of-pocket costs.

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which offers comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: Consider a Silver-tier plan from Oscar Health. These plans are eligible for both premium tax credits and cost-sharing reductions, significantly lowering both your monthly payments and your out-of-pocket expenses when you use care.
If your income is between 250% and 400% FPL: You may still qualify for substantial premium tax credits. Compare Bronze, Silver, and Gold plans to find the best balance between monthly premiums and expected out-of-pocket costs. Bronze plans have lower premiums but higher deductibles, while Gold plans have higher premiums but lower out-of-pocket costs.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still purchase Oscar Health plans through the Marketplace Virginia. Focus on the plan's network, benefits, and overall cost-sharing structure to find the best fit.

A licensed health insurance producer can provide personalized guidance, helping you compare Oscar Health plans with other local options and determine your eligibility for financial assistance. This service is typically free of charge and can save you significant time and effort.

Frequently Asked Questions

Is Oscar Health insurance available in all parts of Warren County?

Yes, Oscar Health is one of six carriers offering marketplace plans in Virginia Rating Area 1, which includes all of Warren County. Availability is consistent across the entire rating area for 2026.

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

Oscar Health, like other carriers on the Marketplace Virginia, offers a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific types and tiers (Bronze, Silver, Gold, Platinum) will vary by plan.

Can I get financial help to pay for Oscar Health plans in Warren County?

Yes, individuals and families in Warren County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits to lower their monthly premiums for marketplace plans, including those from Oscar Health. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose a Silver plan. Virginia also expanded Medicaid in 2019, covering adults up to 138% FPL.

Where can I apply for Oscar Health insurance in Warren County?

You can apply for Oscar Health insurance plans and other marketplace options through Marketplace Virginia, which uses HealthCare.gov. Enrollment typically occurs during the annual Open Enrollment Period, but you may qualify for a Special Enrollment Period if you experience a qualifying life event.