Sentara Health Insurance Plans in Alleghany County, Virginia

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

Sentara Health Plans is one of 6 carriers offering marketplace health insurance in Alleghany County for 2026.
Virginia's marketplace offers HMO, PPO, and EPO plans, allowing for varied network choices.
Virginia Medicaid covers adults up to 138% FPL, pregnant women up to 200% FPL, and children up to 200% FPL.
Alleghany County, with a population of 14,859, is part of Rating Area 5, which includes 18 other counties.

Navigating health insurance options in Alleghany County, Virginia, includes understanding plans from carriers like Sentara Health Plans, available through Marketplace Virginia / HealthCare.gov. Residents of Alleghany County have access to a range of plan types, including HMOs, PPOs, and EPOs, with many individuals qualifying for financial assistance to reduce their monthly premiums and out-of-pocket costs. Virginia expanded Medicaid in 2019, providing coverage for adults with incomes up to 138% of the Federal Poverty Level, along with enhanced programs for pregnant women and children.

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What Health Insurance Options Are Available in Alleghany County?

Residents of Alleghany County, Virginia, can access comprehensive health insurance coverage through Marketplace Virginia / HealthCare.gov. In 2026, a variety of plan types are available, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Unlike some states, PPO plans are available on-exchange in Virginia, offering greater flexibility in choosing doctors and specialists without a referral. Alleghany County, with a population of 14,859 and a median age of 48.3 years per U.S. Census Bureau ACS 2024 5-year estimates, is part of Virginia Rating Area 5. This rating area also covers Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, Wythe counties, ensuring consistent pricing across this multi-county region. The county's uninsured rate stands at 6.6%, reflecting the availability of coverage options.

Understanding Plan Tiers and Subsidies

Health insurance plans on the marketplace are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the plan's actuarial value, or the percentage of healthcare costs the plan is expected to cover:

Bronze plans: Typically cover 60% of costs, with higher deductibles and lower premiums.
Silver plans: Cover 70% of costs. These plans are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and coinsurance.
Gold plans: Cover 80% of costs, offering a balance of moderate premiums and lower out-of-pocket expenses.
Platinum plans: Cover 90% of costs, with the highest premiums but the lowest out-of-pocket costs.

Many Alleghany County residents will qualify for premium tax credits (subsidies) to help pay for their monthly premiums. These subsidies are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For example, a single person earning between approximately $15,300 and $61,200 in 2026 may qualify.

Virginia Medicaid and FAMIS Programs in Alleghany County

Virginia has expanded its Medicaid program, known as Virginia Medicaid Expansion or FAMIS Plus, providing a crucial safety net for many residents of Alleghany County. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage. This means that for a single individual, an income up to approximately $21,118 per year in 2026 could qualify them for Medicaid. Beyond general adult coverage, Virginia offers specific programs for vulnerable populations:

FAMIS Moms: Covers pregnant women with household incomes up to 200% FPL. This program includes prenatal care, labor and delivery, and extends to 12 months of postpartum care, a benefit expanded under the American Rescue Plan and adopted by Virginia.
FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households with incomes up to 200% FPL. For children in families with incomes between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.

Residents can apply for these programs through commonhelp.virginia.gov. The availability of these expanded programs means that Alleghany County residents with lower incomes have robust options for affordable healthcare, preventing the "coverage gap" seen in non-expansion states.

Hospitals and Healthcare Access in Alleghany County

Alleghany County is served by local healthcare facilities, ensuring residents have access to necessary medical services. The primary acute care hospital in the county is Lewisgale Hospital Alleghany, located in Low Moor. This facility provides essential services for the community, from emergency care to various inpatient and outpatient treatments. For residents seeking specialized care or additional options, the broader network of providers within Virginia Rating Area 5 offers further choices. When selecting a health plan, it is important to verify that your preferred doctors and any necessary specialists are included in the plan's network, especially for HMO and EPO plans which have more restrictive networks. PPO plans typically offer more flexibility but may involve higher costs for out-of-network care.

Health Insurance Carriers in Alleghany County

For the 2026 plan year, residents of Alleghany County, Virginia, have several options for health insurance through Marketplace Virginia / HealthCare.gov. In 2026, 6 carriers offer marketplace plans in Rating Area 5, which covers Alleghany County. These carriers provide a range of plan types and networks to choose from, including Sentara Health Plans. The confirmed carriers for Alleghany County's Rating Area 5 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When reviewing plans, consider factors such as monthly premiums, deductibles, copayments, coinsurance, and the network of doctors and hospitals. It's also important to compare the specific benefits offered by each plan, especially if you have particular healthcare needs or prefer certain providers.

Making the Right Health Insurance Decision in Alleghany County

Choosing the right health insurance plan for your family in Alleghany County depends on your income, health needs, and preferences. Here’s a guide to help you decide:

Household Income (as % FPL)	Recommendation	Key Benefit
Below 138% FPL	Apply for Virginia Medicaid (FAMIS Plus)	Comprehensive, low-cost or no-cost coverage.
100% - 250% FPL	Consider an Enhanced Silver Plan	Significant premium subsidies and Cost-Sharing Reductions (CSRs) to lower out-of-pocket costs.
250% - 400% FPL	Utilize Premium Tax Credits on Bronze, Silver, or Gold plans	Subsidies lower monthly premiums, allowing choice between lower premium/higher deductible (Bronze) or higher premium/lower deductible (Gold).
Above 400% FPL	Shop on-exchange for full-price plans or off-exchange	Access to all marketplace plans, but without premium subsidies. Focus on network and deductible.

Alleghany County's 11.6% poverty rate, per U.S. Census Bureau ACS 2024 5-year estimates, indicates that many residents may qualify for substantial financial assistance. An experienced, licensed health insurance agent can provide personalized guidance, helping you compare plans from Sentara Health Plans and other carriers, understand your eligibility for subsidies, and ensure you enroll in a plan that best fits your healthcare and financial situation. This service is typically free to you.

Frequently Asked Questions

What types of health insurance plans are available in Alleghany County?

In Alleghany County, Virginia, consumers can find a variety of health insurance plan types on the marketplace, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. PPO plans are available on-exchange in Virginia, offering more flexibility in choosing healthcare providers.

Who qualifies for Virginia Medicaid in Alleghany County?

Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify. For a single individual in 2026, this threshold is approximately $21,118 annually. Pregnant women may qualify up to 200% FPL, and children up to 200% FPL for FAMIS.

Can I get a health insurance subsidy in Alleghany County?

Yes, individuals and families in Alleghany County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits (subsidies) to lower their monthly health insurance costs. Those with incomes up to 250% FPL may also qualify for cost-sharing reductions (CSRs) on Silver plans.

Is Sentara Health Plans available in Alleghany County?

Yes, Sentara Health Plans is one of the 6 confirmed health insurance carriers offering marketplace plans in Alleghany County's Rating Area 5 for the 2026 plan year. You can compare their offerings with those from other carriers on Marketplace Virginia / HealthCare.gov.