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

Part-Time Health Insurance in Tazewell County, Virginia

Part-time status does NOT prevent you from getting comprehensive health insurance through Marketplace Virginia (HealthCare.gov).
Virginia Medicaid is available for adults with incomes up to 138% of the Federal Poverty Level, approximately $20,780 for an individual in 2026.
Marketplace Virginia offers plans with subsidies for those earning 100% to 400% FPL, potentially reducing monthly premiums to as low as $0.
Six confirmed carriers offer plans in Tazewell County's Rating Area 6, including HMO, PPO, and EPO options.

If you work part-time in Tazewell County, Virginia, securing affordable health insurance is a critical step for your well-being. Unlike full-time employment, part-time work often means you don't receive health benefits from your employer, leaving you to find coverage independently. Fortunately, Virginia's expanded Medicaid program and the Affordable Care Act (ACA) marketplace, known as Marketplace Virginia (HealthCare.gov), provide robust options for residents, regardless of their employment status. Your eligibility for financial assistance, such as premium tax credits or Virginia Medicaid, is primarily based on your household income and family size, not your work hours. It is possible to find comprehensive, subsidized health coverage even with part-time earnings.

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Understanding Your Health Insurance Options as a Part-Time Worker

For part-time workers in Tazewell County, the primary avenues for health insurance are Marketplace Virginia (HealthCare.gov) and Virginia Medicaid. These programs are designed to make health coverage accessible and affordable.

Marketplace Virginia (HealthCare.gov) Plans and Subsidies

The ACA marketplace offers a range of plans categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs when you need care.

Bronze plans typically have the lowest premiums but the highest deductibles and out-of-pocket maximums. They are suitable for those who want protection against catastrophic costs.
Silver plans offer a good balance, with moderate premiums and deductibles. If your income qualifies, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and coinsurance.
Gold and Platinum plans have higher premiums but lower out-of-pocket costs, making them ideal for individuals who expect to use medical services frequently.

Crucially, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for significant financial assistance in the form of premium tax credits. These credits can substantially lower your monthly premium payments. For example, a single individual with an income of $25,000 (around 167% FPL) in Tazewell County could see their premiums drastically reduced, sometimes to less than $50 per month for a quality plan. Enhanced subsidies, which make coverage even more affordable, are currently available through 2025.

Virginia Medicaid (FAMIS Plus)

Virginia expanded its Medicaid program in 2019, making health coverage available to many more residents. If your household income is at or below 138% of the Federal Poverty Level, you may qualify for Virginia Medicaid, also known as FAMIS Plus. This program provides comprehensive health benefits with no monthly premiums and minimal or no out-of-pocket costs. For a single individual, 138% FPL is approximately $20,780 in annual income for 2026. For a family of three, the income limit is approximately $35,330. Virginia Medicaid covers a wide range of services, including doctor visits, hospital stays, prescription drugs, mental health services, and preventive care. This is often the most cost-effective option for those who qualify, especially part-time workers with lower incomes. Additionally, Virginia's FAMIS Moms program covers pregnant women with incomes up to 200% FPL, and FAMIS (Family Access to Medical Insurance Security) covers uninsured children in households up to 200% FPL. For children with incomes between 200% and 400% FPL, FAMIS Select offers low-cost coverage. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Tazewell County

Residents of Tazewell County, located in Virginia Rating Area 6, have several reputable carriers offering plans through Marketplace Virginia (HealthCare.gov). In 2026, 6 carriers offer marketplace plans in Rating Area 6, which covers Bristol, Buchanan, Dickenson, Lee, Norton, Russell, Scott, Tazewell, Washington, Wise counties. These carriers provide a range of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, with PPO plans being available on-exchange in Virginia. The confirmed carriers for Tazewell County and Rating Area 6 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When selecting a plan, consider which carrier offers a network that includes your preferred doctors and local medical facilities. Tazewell County is served by Clinch Valley Medical Center in Richlands and Carilion Tazewell Community Hospital in Tazewell, both acute care facilities. Ensure your chosen plan provides access to the healthcare providers you need.

Making the Right Choice for Your Part-Time Coverage

Choosing the best health insurance plan when working part-time involves evaluating your income, health needs, and budget. The key is to understand where your income falls relative to the Federal Poverty Level (FPL) and how that impacts your eligibility for financial assistance.

Household Income (approx. FPL)	Recommended Action	Benefit
Below 138% FPL (e.g., $20,780 for an individual)	Apply for Virginia Medicaid (FAMIS Plus)	Comprehensive coverage with no premiums or deductibles.
100% - 250% FPL (e.g., $15,000 - $37,650 for an individual)	Enroll in a Silver plan on Marketplace Virginia	Eligible for both premium tax credits and Cost-Sharing Reductions (CSRs), lowering premiums and out-of-pocket costs.
250% - 400% FPL (e.g., $37,650 - $60,200 for an individual)	Explore Bronze, Silver, or Gold plans on Marketplace Virginia	Eligible for premium tax credits to reduce monthly premiums. Compare tiers based on expected medical use.
Above 400% FPL (e.g., above $60,200 for an individual)	Enroll in any metal tier plan on Marketplace Virginia	Full-price premiums, but still access to comprehensive plans and a range of choices.

For part-time workers in Tazewell County, Virginia, understanding these income thresholds is the first step. The county, with a population of 39,624 and a median income of $47,313 per U.S. Census Bureau ACS 2024 5-year estimates, has an uninsured rate of 4.1%, indicating that most residents find coverage. Whether you qualify for Virginia Medicaid or need to purchase a plan with subsidies through Marketplace Virginia, there are viable pathways to secure the health coverage you need. A licensed health insurance producer can help you navigate these options, compare plans from CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare, and ensure you receive all eligible financial assistance at no cost to you.

Frequently Asked Questions

Can I get health insurance if I only work part-time in Tazewell County?

Yes, part-time employment does not prevent you from enrolling in a health insurance plan through Marketplace Virginia (HealthCare.gov). Your eligibility for subsidies and Virginia Medicaid depends on your household income and family size.

What are the income limits for Virginia Medicaid in Tazewell County?

Adults in Virginia with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. For a single individual in 2026, this threshold is approximately $20,780 per year. Pregnant women (FAMIS Moms) and children (FAMIS) can qualify with incomes up to 200% FPL.

Do I qualify for subsidies if I work part-time?

If your part-time income places your household income between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions when purchasing a plan through Marketplace Virginia (HealthCare.gov). Enhanced subsidies are available through 2025, potentially making coverage very affordable.

What types of plans are available in Tazewell County?

In Tazewell County, you can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on Marketplace Virginia (HealthCare.gov). PPO plans are available on-exchange in Virginia, offering more flexibility in choosing providers outside a specific network.