Sentara Health Insurance Plans in Annandale, Virginia

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

In 2026, 6 carriers, including Sentara Health Plans, offer marketplace health insurance options in Annandale, Virginia's Rating Area 1.
Annandale residents can choose from HMO, PPO, and EPO plans on the Marketplace Virginia / HealthCare.gov, with PPOs confirmed to be available on-exchange.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Annandale's uninsured rate stands at 15.2%, significantly higher than Fairfax County's 7.1%, indicating a strong need for accessible coverage.

Navigating health insurance options in Annandale, Virginia, involves understanding both state-specific programs and local plan availability. Sentara Health Plans is one of the key providers offering coverage in this area, part of a competitive marketplace. Residents of Annandale, located in Fairfax County, can access a range of health plans through the Marketplace Virginia / HealthCare.gov platform. These plans are regulated by the Affordable Care Act (ACA) and offer comprehensive benefits, often with financial assistance to help reduce monthly premiums and out-of-pocket costs. Understanding your income, household size, and healthcare needs is essential to selecting the right plan, whether it's an HMO, PPO, or EPO plan.

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What Health Insurance Options Are Available in Annandale?

Annandale residents have several avenues for obtaining health insurance, primarily through the Marketplace Virginia / HealthCare.gov. This platform allows individuals and families to compare plans from various private carriers. Virginia's marketplace offers a choice of 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, providing more flexibility in provider choice for those who qualify for subsidies. All plans cover essential health benefits, including preventive care, emergency services, hospitalization, prescription drugs, and maternity care.

Understanding Subsidies and Financial Assistance

Many Annandale households qualify for financial assistance, which can significantly lower the cost of health insurance.

Advanced Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Individuals and families earning between 100% and 400% FPL may qualify.
Cost-Sharing Reductions (CSRs): Available to those with incomes up to 250% FPL who enroll in a Silver-tier plan, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance.

It is important to accurately report your income and household size when applying through Marketplace Virginia / HealthCare.gov to ensure you receive the maximum financial assistance you qualify for.

2026 Federal Poverty Level (FPL) Thresholds and Subsidy Eligibility for a Single Individual
Income Range (FPL)	Estimated Annual Income (Single Individual)	Type of Financial Assistance
Below 138% FPL	Up to approximately $20,782	Virginia Medicaid / FAMIS Plus
100% - 400% FPL	Approximately $15,060 - $60,240	Advanced Premium Tax Credits (APTCs)
100% - 250% FPL	Approximately $15,060 - $37,650	Cost-Sharing Reductions (CSRs) on Silver plans

Virginia Medicaid and FAMIS Programs in Annandale

Virginia expanded its Medicaid program in 2019, significantly broadening access to affordable healthcare for many residents. Adults in Annandale and across Virginia with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage through Virginia Medicaid or FAMIS Plus. This program provides essential healthcare services with no monthly premiums and minimal out-of-pocket costs. Beyond adult Medicaid, Virginia offers specialized programs for vulnerable populations:

FAMIS Moms: This program covers pregnant women with household incomes up to 200% FPL. It includes comprehensive prenatal care, labor and delivery services, and an extended 12 months of postpartum care. Applications can be submitted through commonhelp.virginia.gov.
FAMIS (Family Access to Medical Insurance Security): Uninsured children in households with incomes up to 200% FPL can receive low-cost or free coverage through FAMIS.
FAMIS Select: For children in families between 200% and 400% FPL, FAMIS Select provides low-cost coverage options.

These programs are vital safety nets, ensuring that income is not a barrier to receiving necessary medical care in Annandale.

Annandale, part of Virginia Rating Area 1, is located within Fairfax County, which has a population of 1,147,837 residents. The city itself has a population of 41,705 with a median income of $116,263 and a notable uninsured rate of 15.2% per U.S. Census Bureau ACS 2024 5-year estimates. This is significantly higher than Fairfax County's overall uninsured rate of 7.1%, highlighting specific coverage needs within Annandale compared to the broader county. Rating Area 1 is a multi-county area that also covers Alexandria, Arlington, Clarke, Culpeper, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties.

Health Insurance Carriers in Annandale

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Annandale. These carriers provide a variety of plan types and network options to meet diverse healthcare needs. When selecting a plan, it is crucial to review each carrier's specific offerings, including their provider networks, formulary lists for prescription drugs, and customer service ratings. The confirmed carriers offering marketplace plans in Annandale for the 2026 plan year are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Sentara Health Plans is among these providers, offering various health insurance products. When considering Sentara, or any other carrier, verify that your preferred doctors and hospitals are included in their network for the specific plan you are considering.

Navigating Healthcare in Annandale: Hospital Access

Residents of Annandale rely on the comprehensive medical facilities available throughout Fairfax County. The county is home to several major hospitals, ensuring access to acute care and specialized medical services. When choosing a health insurance plan, particularly from a carrier like Sentara Health Plans, understanding which hospitals and provider systems are in-network is crucial for seamless access to care. Key hospitals in Fairfax County include:

Inova Fairfax Hospital (Falls Church)
Inova Fair Oaks Hospital (Fairfax)
Reston Hospital Center (Reston)
Inova Mount Vernon Hospital (Alexandria)
Fort Belvoir Community Hospital (Fort Belvoir)

These facilities represent a range of services from general acute care to specialized treatments. Before enrolling in any plan, it is highly recommended to check the specific plan's provider directory to confirm that your preferred healthcare providers and hospitals are covered.

Making Your Health Plan Decision in Annandale

Choosing the right health insurance plan in Annandale requires careful consideration of your income, health needs, and preferred providers.

If your household income is below 138% FPL: You likely qualify for Virginia Medicaid or FAMIS Plus. This is the most comprehensive and lowest-cost option.
If your household income is between 100% and 400% FPL: You are eligible for Advanced Premium Tax Credits (APTCs) to lower your monthly premiums on Marketplace Virginia / HealthCare.gov. Consider a Silver plan, especially if your income is below 250% FPL, to also benefit from Cost-Sharing Reductions (CSRs).
If your household income is above 400% FPL: While you won't qualify for subsidies, you can still purchase a comprehensive ACA-compliant plan through the marketplace or directly from a carrier like Sentara Health Plans. Focus on plan types (HMO, PPO, EPO) and network coverage that best suits your needs.

A licensed health insurance agent can provide personalized guidance, helping you compare plans from Sentara Health Plans and other carriers, understand subsidy eligibility, and enroll in a plan that fits your budget and healthcare requirements—all at no cost to you.

Frequently Asked Questions

What types of health plans are available in Annandale, Virginia?

In Annandale, Virginia, residents can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans on the Marketplace Virginia / HealthCare.gov platform. PPO plans are available on-exchange in Virginia, offering more flexibility in choosing providers.

Can I get financial help to pay for health insurance in Annandale?

Yes, many Annandale residents qualify for subsidies to lower their monthly premiums and out-of-pocket costs. Advanced Premium Tax Credits (APTCs) are available to individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL). Cost-Sharing Reductions (CSRs) can further reduce deductibles, copayments, and out-of-pocket maximums for those with incomes up to 250% FPL who choose a Silver-tier plan.

Does Virginia have expanded Medicaid?

Yes, Virginia expanded Medicaid in 2019. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage through Virginia Medicaid or FAMIS Plus. Pregnant women with incomes up to 200% FPL may qualify for FAMIS Moms, and children up to 200% FPL for FAMIS.

Which hospitals in Fairfax County might be covered by Sentara Health Plans?

Sentara Health Plans typically has a broad network of providers. In Fairfax County, major hospitals include Inova Fairfax Hospital, Inova Fair Oaks Hospital, Reston Hospital Center, Inova Mount Vernon Hospital, and Fort Belvoir Community Hospital. When selecting a Sentara plan, it is crucial to verify that your preferred doctors and any specific hospitals you wish to use are in the plan's network for your specific policy year.