Is Oscar Health insurance available in Wise County, Virginia?

Yes, Oscar Health is one of the 6 carriers confirmed to offer marketplace plans in Virginia Rating Area 6, which includes Wise County, for the 2026 plan year. Residents can explore their plans on Marketplace Virginia.

Can I get a subsidy for Oscar Health plans in Wise County?

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. Individuals and families below 138% FPL may qualify for Virginia Medicaid. These subsidies apply to all marketplace plans, including those offered by Oscar Health.

Where can I find doctors and hospitals that accept Oscar Health in Wise County?

Oscar Health provides online tools and directories to help members find in-network providers. For Wise County residents, this would include facilities like Lonesome Pine Hospital in Big Stone Gap. It's always advisable to verify a provider's network status before receiving care.

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

Oscar Health Insurance Plans in Wise County, Virginia

Q: What types of plans does Oscar Health offer in Wise County?

Oscar Health, like other carriers in Virginia's marketplace, typically offers a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific options will vary by plan year and metal tier.

Oscar Health is one of 6 carriers offering marketplace plans in Wise County for 2026.
Wise County residents can enroll in Oscar Health plans through Marketplace Virginia, potentially receiving subsidies for incomes up to 400% FPL.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women up to 200% FPL.
The average uninsured rate in Wise County is 6.5%, lower than the state average.

Residents of Wise County, Virginia, looking for health insurance coverage can find a variety of options, including plans offered by Oscar Health. In 2026, Oscar Health is among the 6 health insurance carriers providing coverage through Marketplace Virginia in Rating Area 6, which encompasses Wise County and several neighboring counties. Whether you're seeking individual, family, or small business coverage, understanding the available plans, subsidies, and enrollment process is key. This article provides a comprehensive overview of Oscar Health's presence and the broader health insurance landscape in Wise County, helping you make an informed decision for the upcoming plan year.

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What Oscar Health Plans Are Available in Wise County?

Oscar Health is a participant in Virginia's health insurance marketplace, offering various plans to residents of Wise County. As part of Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, Wise counties, Oscar Health provides options designed to meet diverse healthcare needs and budgets. Virginia's marketplace offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans, giving consumers choices in network structure and flexibility. Specific plan details, including deductibles, copayments, and covered services, will vary by metal tier (Bronze, Silver, Gold) and the particular Oscar Health plan you select for 2026.

Understanding Your Eligibility and Subsidies in Wise County

Affordable Care Act (ACA) plans, including those from Oscar Health, are available to most Wise County residents who are not covered by an employer-sponsored plan, Medicare, or Medicaid. Eligibility for financial assistance to lower your monthly premiums (premium tax credits) and out-of-pocket costs (cost-sharing reductions) depends on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for premium tax credits. For example, an individual in Wise County with a median income of $52,943 might find significant assistance. If your income is below 138% FPL, you may qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive health coverage with no monthly premiums. Virginia expanded Medicaid in 2019, ensuring that more low-income adults have access to essential healthcare services. Pregnant women in Virginia can qualify for Medicaid (FAMIS Moms) with incomes up to 200% FPL, and children through FAMIS up to 200% FPL, with FAMIS Select available for children up to 400% FPL. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Wise County

For the 2026 plan year, Wise County residents have a strong selection of carriers offering plans through Marketplace Virginia. In 2026, 6 carriers offer marketplace plans in Rating Area 6. These confirmed carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

This variety allows Wise County consumers to compare plans from multiple providers, ensuring they can find coverage that best fits their healthcare needs and budget. Wise County, with a population of 35,448 and an uninsured rate of 6.5% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from this competitive marketplace. The county's median age is 41.8 years and its median income is $52,943, with a poverty rate of 17.2%. For acute care, residents rely on Lonesome Pine Hospital in Big Stone Gap.

Choosing the Right Oscar Health Plan for You

Selecting the ideal Oscar Health plan, or any other plan, involves considering several factors:

Budget: Compare monthly premiums, deductibles, copayments, and out-of-pocket maximums. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket expenses.
Network: Check if your preferred doctors, specialists, and facilities, such as Lonesome Pine Hospital, are in-network with the Oscar Health plan you are considering. HMO plans typically have more restricted networks than PPO plans.
Prescription Drugs: Review the plan's formulary to ensure your necessary medications are covered and understand their cost-sharing tier.
Health Needs: If you anticipate frequent doctor visits or have chronic conditions, a plan with lower out-of-pocket costs (like a Gold or Enhanced Silver plan) might be more suitable, even with a higher premium.

Wise County residents can use the tools on Marketplace Virginia or consult with a licensed health insurance producer to compare plans side-by-side and determine their eligibility for financial assistance.

Frequently Asked Questions

Is Oscar Health a good insurance company in Virginia?

Oscar Health is one of the 6 carriers offering plans in Wise County through Marketplace Virginia for 2026. Its suitability depends on individual needs, including network preferences, budget, and specific health requirements. It is advisable to compare their plans with other available carriers like CareFirst BlueChoice, Cigna, HealthKeepers, Sentara Health Plans, and United Healthcare.

What are the income limits for health insurance subsidies in Wise County?

For 2026, premium tax credits are generally available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For Virginia Medicaid (FAMIS Plus), adults may qualify with incomes up to 138% FPL. Income limits are updated annually, so it's best to check current FPL guidelines.

Can I enroll in Oscar Health insurance if I lose my job in Wise County?

Yes, losing job-based health coverage is generally considered a Qualifying Life Event (QLE), allowing you to enroll in a new plan through a Special Enrollment Period (SEP) on Marketplace Virginia. This means you don't have to wait for the annual Open Enrollment Period to sign up for an Oscar Health plan or other available coverage.

Does Wise County have PPO plans on the marketplace?

Yes, PPO plans are available on-exchange in Virginia. Marketplace shoppers in Wise County can choose from HMO, PPO, and EPO structures offered by carriers like Oscar Health and others. This provides more flexibility in choosing providers compared to HMO-only markets.