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

Sentara Health Plans and Marketplace Options in Carroll County, Virginia

Sentara Health Plans is one of six carriers offering health insurance coverage in Carroll County's Rating Area 5 for the 2026 plan year.
Carroll County residents can choose from HMO, PPO, and EPO plans on the Marketplace Virginia (HealthCare.gov).
Virginia expanded Medicaid, making it available to adults with income up to 138% of the Federal Poverty Level.
The average uninsured rate in Carroll County is 9.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Carroll County, Virginia, involves understanding both your eligibility for financial assistance and the specific plans available in your area. For 2026, residents of Carroll County have access to plans from Sentara Health Plans and five other carriers through Marketplace Virginia, the state's health insurance exchange operating on HealthCare.gov. These plans comply with the Affordable Care Act (ACA), meaning they cover essential health benefits and cannot deny coverage based on pre-existing conditions. Many individuals and families in Carroll County qualify for subsidies to lower their monthly premiums.

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.

How Do ACA Health Plans Work in Carroll County?

Health insurance plans available in Carroll County are part of Virginia's state-based marketplace, which uses the federal platform HealthCare.gov. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the balance between monthly premiums and out-of-pocket costs. Bronze plans typically have the lowest premiums but the highest deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal healthcare use or want catastrophic coverage. Gold and Platinum plans, conversely, have higher premiums but lower out-of-pocket costs, ideal for individuals expecting regular medical care. Crucially, subsidies are available to help make these plans more affordable. Premium tax credits can significantly reduce your monthly payments, and cost-sharing reductions (CSRs) can lower your deductibles, copayments, and out-of-pocket maximums, especially for those who enroll in Silver-tier plans and meet specific income criteria. Carroll County, with a population of 29,157 and a median income of $54,484, per U.S. Census Bureau ACS 2024 5-year estimates, has many residents who may benefit from these financial aids.

Understanding Sentara Health Plans in Carroll County

Sentara Health Plans is a significant provider in Virginia's health insurance landscape, offering various plans designed to meet different healthcare needs. As one of the six confirmed carriers in Rating Area 5, which includes Carroll County, Sentara Health Plans provides options for individuals and families seeking coverage through the marketplace. Their plans typically feature a network of doctors, specialists, and hospitals, and understanding this network is key to choosing the right plan for your specific needs. When considering Sentara Health Plans, it's important to review their specific plan documents to understand benefits, deductibles, copayments, and prescription drug coverage.

Health Insurance Carriers in Carroll County

For 2026, six carriers offer marketplace plans in Rating Area 5, which covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, Wythe counties. This multi-county rating area ensures a competitive market for health insurance. The confirmed carriers for residents of Carroll County are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

These carriers offer various plan types, 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 providers outside a strict network, though often at a higher cost.

Medicaid and FAMIS Options in Virginia

Virginia expanded its Medicaid program in 2019, meaning more adults in Carroll County may qualify for low-cost or free health coverage. Individuals and families with household incomes up to 138% of the Federal Poverty Level (FPL) may be eligible for Virginia Medicaid (also known as FAMIS Plus). This expansion has significantly reduced the uninsured rate across the state, providing comprehensive benefits without monthly premiums. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care. Children in households with incomes up to 200% FPL can qualify for FAMIS (Family Access to Medical Insurance Security), Virginia's Children's Health Insurance Program (CHIP). For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options. Applications for these programs can be made through commonhelp.virginia.gov. Carroll County, part of Virginia Rating Area 5, is one of the state's more rural counties, with a population of 29,157 and an uninsured rate of 9.0%, per U.S. Census Bureau ACS 2024 5-year estimates. The county has no acute care hospitals within its boundaries, meaning residents travel to a neighboring county for acute care.

Making the Right Choice for Health Coverage in Carroll County

Choosing the right health insurance plan depends on your unique circumstances, including your income, health needs, and preferred doctors. Here's a general guide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which offers comprehensive coverage with no premiums.
If your income is between 100% and 250% FPL: You may qualify for significant premium tax credits and cost-sharing reductions (CSRs) on Silver plans, making them a highly affordable option with lower out-of-pocket costs.
If your income is above 250% FPL: You may still qualify for premium tax credits, which are now available to more people at higher income levels thanks to enhanced federal subsidies. Consider a Bronze plan for lower premiums or a Gold plan for more predictable costs.

It's always recommended to compare plans across different metal tiers and carriers like Sentara Health Plans, CareFirst BlueChoice, and Cigna, to find the best fit. A licensed health insurance producer can provide free, personalized assistance to help you understand your options, calculate your potential subsidies, and enroll in a plan that meets your needs in Carroll County.

Frequently Asked Questions

Can I get Sentara Health Plans coverage in Carroll County?

Yes, Sentara Health Plans is one of six confirmed carriers offering plans on the Virginia health insurance marketplace in Rating Area 5, which includes Carroll County, for the 2026 plan year.

What types of health plans are available in Carroll County?

In Carroll County, residents can choose from a variety of plan types on the Marketplace Virginia, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. PPO plans are available on-exchange in Virginia.

What is the income limit for Medicaid in Virginia?

Virginia expanded Medicaid, so adults 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 $20,783 annually.

How do I enroll in a health plan in Carroll County?

You can enroll through Marketplace Virginia (HealthCare.gov) during the annual Open Enrollment Period or during a Special Enrollment Period if you experience a qualifying life event. A licensed agent can provide free assistance to compare plans and guide you through the enrollment process.