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

Part-Time Health Insurance Options in Henrico County, Virginia

Part-time workers in Henrico County can access comprehensive health plans through Marketplace Virginia (HealthCare.gov).
Subsidies (Premium Tax Credits) are available for individuals with incomes between 100% and 400% of the Federal Poverty Level (FPL) to reduce monthly premiums.
Virginia Medicaid (FAMIS Plus) covers adults in Henrico County with incomes up to 138% FPL, offering free or low-cost comprehensive coverage.
In 2026, 6 carriers offer marketplace plans in Rating Area 3, which includes Henrico County, providing choices across HMO, PPO, and EPO plan types.

Navigating health insurance as a part-time worker in Henrico County, Virginia, offers several robust options, primarily through Marketplace Virginia (HealthCare.gov). Unlike full-time employees who might receive employer-sponsored benefits, part-time workers often need to secure their own coverage. The Affordable Care Act (ACA) marketplace provides a pathway to subsidized health insurance plans, making comprehensive coverage accessible based on your household income. Additionally, Virginia's expanded Medicaid program, known as Virginia Medicaid or FAMIS Plus, offers a vital safety net for individuals and families with lower incomes, providing free or very low-cost health benefits. Understanding these options, including available plan types and local carriers, is key to finding suitable coverage for your needs in Henrico County.

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 Health Insurance Options Are Available for Part-Time Workers in Henrico County?

For part-time workers in Henrico County, your main avenues for health insurance include the ACA marketplace, Virginia Medicaid, and off-marketplace plans. The most common and often most affordable route is through Marketplace Virginia (HealthCare.gov). This platform allows you to compare plans from various private insurance companies and, crucially, apply for financial assistance.

Marketplace Plans with Subsidies

If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Premium Tax Credits (subsidies) that significantly reduce your monthly insurance premiums. These subsidies are designed to make marketplace plans affordable. In Virginia, you can choose from various plan types, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). This means you have flexibility in balancing cost, network size, and the ability to see specialists without a referral.

Virginia Medicaid (FAMIS Plus)

Virginia expanded its Medicaid program in 2019, extending eligibility to adults with household incomes up to 138% of the FPL. This program, known as Virginia Medicaid or FAMIS Plus, provides comprehensive health coverage with little to no cost for eligible residents. If your part-time income places you within this income bracket, Medicaid can be an excellent option for full medical, dental, and vision benefits. You can apply for Virginia Medicaid through commonhelp.virginia.gov. Virginia Medicaid (FAMIS Moms) also covers pregnant women up to 200% FPL, and FAMIS (Family Access to Medical Insurance Security) covers uninsured children in households up to 200% FPL, with FAMIS Select offering low-cost options for children between 200% and 400% FPL.

Direct-to-Carrier Plans

If your income is above the subsidy eligibility threshold, or if you prefer to explore options outside the marketplace, you can purchase plans directly from insurance carriers. These plans are typically not eligible for subsidies but offer the same level of comprehensive benefits as marketplace plans.

How Do ACA Subsidies Work for Part-Time Income in Henrico County?

The Affordable Care Act provides financial assistance to help make health insurance premiums more affordable. These subsidies, known as Premium Tax Credits, are available to eligible individuals and families who purchase plans through Marketplace Virginia (HealthCare.gov). Eligibility for subsidies is based on your household income relative to the Federal Poverty Level (FPL). For 2026, if your income is between 100% and 400% FPL, you will likely qualify for assistance. The amount of your subsidy is determined by a sliding scale: the lower your income, the larger your subsidy. These tax credits can be applied directly to your monthly premiums, reducing your out-of-pocket costs immediately. Additionally, individuals with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) when they enroll in a Silver-tier plan. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you use it. This makes Enhanced Silver plans particularly valuable for those who qualify. Henrico County, part of Virginia Rating Area 3, covers 13 counties including Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. This broad rating area ensures a competitive market for health plans. The county itself has a population of 335,744 with an uninsured rate of 6.3% per U.S. Census Bureau ACS 2024 5-year estimates. Residents needing acute care have access to facilities like Henrico Doctors' Hospital.

Health Insurance Carriers in Henrico County

In 2026, 6 carriers offer marketplace plans in Rating Area 3, which covers Henrico County. This provides residents with a strong selection of options across various plan types, including HMO, PPO, and EPO plans. The confirmed carriers offering plans in Henrico County include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When choosing a plan, it's important to consider not only the premium but also the plan type (HMO, PPO, EPO), the deductible, out-of-pocket maximums, and whether your preferred doctors and hospitals are in-network. For example, Henrico Doctors' Hospital is a key acute care facility in the area, and ensuring it is covered by your chosen plan can be crucial.

Making Your Health Insurance Decision in Henrico County

Choosing the right health insurance plan as a part-time worker in Henrico County involves evaluating your income, health needs, and budget. Here’s a general guide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This is generally the most comprehensive and lowest-cost option. Apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: Focus on plans offered through Marketplace Virginia (HealthCare.gov). You will likely qualify for Premium Tax Credits to lower your monthly premiums. Consider Silver plans, especially if your income is below 250% FPL, as you may also receive Cost-Sharing Reductions that significantly reduce your out-of-pocket costs.
If your income is above 400% FPL: You will not qualify for subsidies but can still purchase a comprehensive plan through Marketplace Virginia or directly from one of the carriers serving Henrico County. Compare plans carefully for network, deductible, and out-of-pocket maximums.

An independent, licensed health insurance producer can provide personalized guidance, helping you understand your eligibility for subsidies and navigate the plan options available from carriers like CareFirst BlueChoice, Cigna, and United Healthcare. Their assistance is typically free, and they can help you enroll in the plan that best fits your specific situation.

Frequently Asked Questions

What are my main health insurance options as a part-time worker in Henrico County?

As a part-time worker in Henrico County, your primary options include marketplace plans through Marketplace Virginia (HealthCare.gov) with potential subsidies, Virginia Medicaid (FAMIS Plus) if your income is below 138% FPL, or direct-to-carrier plans if you don't qualify for subsidies.

Can I get a subsidy for health insurance if I work part-time in Henrico County?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to lower your monthly premiums when purchasing a plan through Marketplace Virginia (HealthCare.gov). Enhanced subsidies are currently available, making coverage more affordable for many.

What is the income limit for Virginia Medicaid in Henrico County?

Virginia expanded Medicaid in 2019. Adults in Henrico County with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (FAMIS Plus). For a single individual in 2026, this threshold is approximately $21,150 annually.

Are PPO plans available on the marketplace in Henrico County?

Yes, unlike some states, PPO plans are available on-exchange through Marketplace Virginia (HealthCare.gov) in Henrico County. You can choose from HMO, PPO, and EPO plan structures, allowing for more flexibility in provider choice.