Sentara Health Insurance Plans in Campbell County, 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 Campbell County's Rating Area 8.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Residents with incomes between 100% and 400% FPL may qualify for significant subsidies to reduce monthly premiums on Marketplace Virginia.
Campbell County, with a population of 55,312, has an uninsured rate of 4.7%, below the national average.

Navigating health insurance options in Campbell County, Virginia, involves understanding both your choices from carriers like Sentara Health Plans and potential financial assistance. Residents can access comprehensive health coverage through Marketplace Virginia, which offers a variety of plans, including those from Sentara Health Plans. These plans are regulated by the Affordable Care Act (ACA), ensuring essential health benefits and consumer protections. Depending on your household income, you may qualify for substantial subsidies to lower your monthly premiums or even be eligible for Virginia Medicaid.

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What Health Insurance Options Are Available in Campbell County?

Residents of Campbell County have several avenues for obtaining health insurance, primarily through Marketplace Virginia (which uses the HealthCare.gov platform), employer-sponsored plans, or government programs like Medicaid. Marketplace Virginia is the primary source for individuals and families who do not receive coverage from an employer or who are self-employed. In Virginia, marketplace shoppers can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This allows for a range of choices based on your preference for network flexibility and referral requirements. PPO plans, for example, offer more freedom to see out-of-network providers, though often at a higher cost, while HMOs typically require you to stay within a specific network and get referrals for specialists.

Understanding ACA Plan Tiers

ACA plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care:

Bronze: Lowest monthly premiums, highest out-of-pocket costs when you use care. Best for those who use healthcare infrequently.
Silver: Moderate premiums and out-of-pocket costs. Crucially, if your income is below 250% FPL, Silver plans qualify for extra subsidies called cost-sharing reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums.
Gold: Higher monthly premiums, lower costs when you use care. Good for those who expect to use medical services regularly.
Platinum: Highest premiums, lowest out-of-pocket costs. Best for those with significant ongoing medical needs.

Sentara Health Plans and Other Carriers in Campbell County

Campbell County is part of Virginia Rating Area 8, which covers 43 counties including Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, Westmoreland, Winchester counties. In 2026, 6 carriers offer marketplace plans in Rating Area 8. Residents of Campbell County can choose from plans offered by:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Sentara Health Plans is a prominent regional carrier, offering a variety of plans that often include access to their integrated health system. When comparing plans, consider each carrier's specific networks, drug formularies, and customer service ratings in addition to premiums and cost-sharing. Campbell County, with a population of 55,312 and a median income of $66,165, is a rural county in Rating Area 8. Its uninsured rate of 4.7% is lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates. Campbell County has no acute care hospitals within its boundaries, meaning residents needing acute care typically travel to neighboring counties for services.

Virginia Medicaid and CHIP Eligibility in Campbell County

Virginia expanded its Medicaid program in 2019, significantly broadening access to affordable healthcare for low-income residents. If your household income falls below certain thresholds, you may qualify for free or low-cost health coverage through Virginia Medicaid or the Family Access to Medical Insurance Security (FAMIS) programs.

Medicaid Eligibility

Adults in Campbell County with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Virginia Medicaid (FAMIS Plus). This means that for a single individual, the income limit is approximately $20,782 per year, and for a family of three, it's about $35,245 per year (based on 2024 FPL figures, which are updated annually). Virginia Medicaid provides comprehensive coverage with no monthly premiums.

FAMIS Programs for Pregnant Women and Children

Virginia also offers robust programs for pregnant women and children:

FAMIS Moms: Covers pregnant women with household incomes up to 200% FPL. This includes comprehensive prenatal care, labor and delivery, and 12 months of postpartum care. This extended postpartum coverage was adopted by Virginia under the American Rescue Plan.
FAMIS (Children): Covers uninsured children in households with incomes up to 200% FPL.
FAMIS Select: For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.

You can apply for Virginia Medicaid and FAMIS programs through commonhelp.virginia.gov.

How to Choose the Right Health Plan in Campbell County

Selecting the best health insurance plan involves evaluating your specific needs, financial situation, and healthcare preferences. Here's a step-by-step guide:

Assess Your Healthcare Needs: Consider how often you visit the doctor, whether you have chronic conditions, and if you prefer a specific hospital or doctor. If you anticipate frequent care, a Gold or Platinum plan might be more cost-effective despite higher premiums.
Determine Your Budget: Look at both monthly premiums and potential out-of-pocket costs (deductibles, copayments, coinsurance). Use the Marketplace Virginia website to see if you qualify for subsidies.
Check Provider Networks: Ensure your preferred doctors, specialists, and any local facilities you might use (even if outside Campbell County) are in the plan's network. This is especially important for HMO and EPO plans.
Compare Plan Types: Decide between HMO, PPO, or EPO based on your desired flexibility and whether you need referrals for specialists.
Utilize Available Assistance: If your income is between 100% and 400% FPL, apply for premium tax credits. If your income is below 250% FPL, consider a Silver plan to maximize cost-sharing reductions. If your income is below 138% FPL, explore Virginia Medicaid.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Sentara Health Plans and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your needs, all at no cost to you.

Frequently Asked Questions

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

Residents of Campbell County, Virginia, can choose from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans through Marketplace Virginia. These options allow flexibility in how you access care and whether you need referrals for specialists.

Can I get financial help to pay for Sentara health insurance in Campbell County?

Yes, individuals and families in Campbell County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for subsidies (premium tax credits) to lower their monthly premiums on Marketplace Virginia. Cost-sharing reductions are also available for those with incomes up to 250% FPL who enroll in Silver plans.

What are the income limits for Medicaid in Virginia?

Virginia expanded Medicaid in 2019. Adults in Campbell County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid (also known as FAMIS Plus). Pregnant women and children have higher income thresholds, up to 200% FPL for FAMIS Moms and FAMIS children's coverage.

Is Sentara Health Plans the only carrier available in Campbell County?

No, while Sentara Health Plans is a prominent option, residents of Campbell County have choices. In 2026, 6 carriers offer marketplace plans in Rating Area 8, which includes Campbell County. These include CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, Sentara Health Plans, and United Healthcare.