Sentara Health Insurance Plans in Centreville, VA

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

Sentara Health Plans is one of 6 carriers offering health insurance on the Virginia Health Insurance Marketplace in Centreville's Rating Area 1 for 2026.
Centreville residents may qualify for Premium Tax Credits if their income is between 100% and 400% of the Federal Poverty Level.
Virginia Medicaid (FAMIS Plus) covers adults with incomes up to 138% FPL, pregnant women up to 200% FPL, and children up to 200% FPL.
Marketplace plans in Virginia include HMO, PPO, and EPO options, allowing for diverse choices in network structure.

Navigating health insurance options in Centreville, Virginia, can feel complex, but residents have several choices, including plans from Sentara Health Plans. As a major provider in the state, Sentara Health Plans offers a variety of health coverage options through the Virginia Health Insurance Marketplace (also known as HealthCare.gov in Virginia). These plans are designed to meet diverse needs and budgets, often with financial assistance available to make coverage more affordable. Understanding how Sentara Health Plans fits into the broader marketplace, what types of plans are available, and how to maximize subsidies is key to securing appropriate coverage in Centreville. This guide will help you explore your options.

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What Health Insurance Options Are Available in Centreville, VA?

Centreville residents have access to a robust health insurance marketplace. Virginia operates a state-based marketplace using the federal platform, Marketplace Virginia / HealthCare.gov. This means you can enroll and apply for financial assistance directly through the federal website. For the 2026 plan year, Centreville is part of Virginia Rating Area 1, which covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. Centreville, located in Fairfax County, is a community with a population of 71,706, per U.S. Census Bureau ACS 2024 5-year estimates. The median household income in Centreville is $139,510, with an uninsured rate of 7.2%, which is lower than the national average. These demographics suggest a community with significant access to employer-sponsored coverage, but also a need for robust marketplace options for those who are self-employed, between jobs, or not offered employer benefits.

Marketplace Plan Types in Virginia

Unlike some states, Virginia offers a variety of plan types through the marketplace, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. This means you have flexibility in choosing a plan based on your preference for network access and referral requirements. PPO plans, for instance, are available on-exchange through carriers like HealthKeepers Plus PPO, Cigna HMO and PPO, and United Healthcare HMO and PPO, providing more options for out-of-network care (though often at a higher cost).

Sentara Health Plans and Other Carriers in Centreville

Sentara Health Plans is a prominent health insurance provider in Virginia, and they offer marketplace plans in Centreville's Rating Area 1. In 2026, 6 carriers offer marketplace plans in Rating Area 1, providing Centreville residents with a competitive selection of options. These carriers include:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When choosing a plan, it's important to compare not just the premiums, but also the out-of-pocket costs, deductibles, and the specific provider networks for each carrier. Sentara Health Plans, like other providers, will offer various metal tiers (Bronze, Silver, Gold) with different cost-sharing structures.

Understanding Financial Assistance and Virginia Medicaid

Many Centreville residents can significantly reduce their health insurance costs through financial assistance available on the Marketplace Virginia. These subsidies come in two forms: Premium Tax Credits and Cost-Sharing Reductions.

Premium Tax Credits (Subsidies)

Premium Tax Credits reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Virginia, individuals and families with incomes between 100% and 400% FPL may qualify. For example, a single individual earning up to approximately $60,240 (based on 2024 FPL figures) could be eligible for these credits. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

Cost-Sharing Reductions help lower your out-of-pocket expenses, such as deductibles, co-payments, and co-insurance. These are available to individuals and families with incomes up to 250% FPL who enroll in a Silver-tier plan. If you qualify for CSRs, choosing a Silver plan is often the best value, as it provides a higher level of coverage than a standard Silver plan for the same premium.

Virginia Medicaid (FAMIS Plus)

Virginia expanded Medicaid in 2019, meaning more adults qualify for coverage. If your household income is up to 138% of the Federal Poverty Level, you may qualify for comprehensive health coverage through Virginia Medicaid, also known as FAMIS Plus. This program provides essential health benefits at little to no cost. Unlike states without Medicaid expansion, Virginia does not have a "coverage gap" for adults with incomes below 100% FPL, as they would generally qualify for Medicaid. Additionally, Virginia offers specific Medicaid programs for pregnant women and children:

Pregnant Women (FAMIS Moms): Virginia Medicaid covers pregnant women with incomes up to 200% FPL. This includes prenatal care, labor and delivery, and 12 months of postpartum care. Applications can be submitted through commonhelp.virginia.gov.
Children (FAMIS): The Family Access to Medical Insurance Security (FAMIS) program covers 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.

Choosing the Right Plan: Sentara Health Plans or Other Carriers?

When deciding between Sentara Health Plans and other carriers in Centreville, consider these factors:

Network: Check if your preferred doctors, specialists, and hospitals are in-network for the specific plan you are considering. Fairfax County is served by 5 hospitals, including Inova Fairfax Hospital and Fort Belvoir Community Hospital. Ensure your chosen plan offers access to the facilities you need.
Premiums and Out-of-Pocket Costs: Compare monthly premiums, deductibles, co-pays, and the maximum out-of-pocket limit across different plans and metal tiers.
Metal Tiers: Bronze plans have lower premiums but higher out-of-pocket costs, suitable for those who expect minimal medical care. Silver plans offer a balance and are ideal if you qualify for Cost-Sharing Reductions. Gold plans have higher premiums but lower out-of-pocket costs, better for those who anticipate frequent medical needs.
Benefits: Review the specific benefits offered by each plan, especially for services you anticipate needing, such as prescription drug coverage, mental health services, or maternity care.

Fairfax County's 5 acute care hospitals — including Inova Fairfax Hospital and Inova Fair Oaks Hospital — serve a population of 1,147,837, with an uninsured rate of 7.1%, per U.S. Census Bureau ACS 2024 5-year estimates. Centreville residents, with a median income of $139,510, have ample access to quality healthcare, and a strong marketplace ensures competitive plan choices within Rating Area 1.

Frequently Asked Questions

Can I get Sentara Health Plans through the Health Insurance Marketplace in Centreville?

Yes, Sentara Health Plans is one of six carriers offering plans on the Virginia Health Insurance Marketplace in Rating Area 1, which includes Centreville, for the 2026 plan year. You can compare their plans with others during Open Enrollment or a Special Enrollment Period.

What types of health plans does Sentara Health Plans offer in Centreville?

In Virginia's Health Insurance Marketplace, carriers like Sentara Health Plans typically offer a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific availability of each type can vary by plan year and individual offering.

How do I know if I qualify for financial help to pay for Sentara Health Plans coverage?

Eligibility for subsidies, such as Premium Tax Credits and Cost-Sharing Reductions, is based on your household income relative to the Federal Poverty Level. For individuals in Virginia, subsidies are available for those earning between 100% and 400% FPL. For example, a single person earning up to $60,240 in 2024 FPL terms might qualify for assistance. You can find exact thresholds and apply through Marketplace Virginia.

Does Virginia Medicaid cover Centreville residents?

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

What hospitals in Fairfax County are typically covered by marketplace plans?

Fairfax County is home to several major hospitals, including Inova Fairfax Hospital, Inova Fair Oaks Hospital, Reston Hospital Center, Fort Belvoir Community Hospital, and Inova Mount Vernon Hospital. The specific hospitals and providers covered will depend on the network of the plan you choose, whether it's an HMO, PPO, or EPO. Always verify your preferred doctors and facilities are in-network before enrolling.