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

Sentara Health Plans in Chantilly, VA

Sentara Health Plans is one of 6 health insurance carriers offering plans in Chantilly, Virginia, for the 2026 plan year.
Chantilly residents are part of Virginia Rating Area 1, which covers 18 counties in Northern Virginia.
Virginia expanded Medicaid in 2019, covering adults with incomes up to 138% of the Federal Poverty Level.
The median household income in Chantilly is $157,124, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Chantilly, Virginia, involves understanding your choices through Marketplace Virginia, which uses HealthCare.gov. For 2026, residents of Chantilly have access to plans from Sentara Health Plans, alongside other reputable carriers. This guide will help you understand how Sentara Health Plans fits into the local market, what types of plans are available, and how financial assistance can make coverage more affordable in Fairfax County.

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What Health Insurance Options Are Available in Chantilly, VA?

Chantilly residents purchase health insurance through Marketplace Virginia, which utilizes the HealthCare.gov platform. For the 2026 plan year, a robust selection of plans is available, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Unlike some states, PPO plans are readily available on-exchange in Virginia, offering greater flexibility in provider choice. The availability and cost of plans are determined by your specific rating area. Chantilly is located in Virginia Rating Area 1, which covers a broad region including Alexandria, Arlington, Clarke, Culpeper, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. This ensures a competitive market for health insurance.

Understanding Sentara Health Plans in Chantilly

Sentara Health Plans is a significant participant in Virginia's health insurance marketplace, offering various plans to residents in Chantilly and the surrounding Rating Area 1. When considering a Sentara Health Plan, it is important to evaluate the network of doctors and hospitals, the plan's cost-sharing structure (deductibles, copays, coinsurance), and the overall premium. Chantilly, with a population of 24,036 and a median income of $157,124 per U.S. Census Bureau ACS 2024 5-year estimates, is part of Fairfax County, which has 5 acute care hospitals. These include Inova Fairfax Hospital in Falls Church and Reston Hospital Center in Reston, which serve the broader county. Sentara Health Plans, like other carriers, contracts with a network of providers, and confirming your preferred doctors and hospitals are in-network is a crucial step before enrollment.

Health Insurance Carriers in Chantilly

For 2026, 6 carriers offer marketplace plans in Rating Area 1, which includes Chantilly. This competitive landscape provides residents with multiple options to choose from:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When comparing plans from these carriers, consider not only the monthly premium but also the plan's metal tier (Bronze, Silver, Gold, Platinum), which indicates the level of cost-sharing between you and the insurer. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower costs when you use medical services.

Financial Assistance and Virginia Medicaid in Chantilly

Many Chantilly residents qualify for financial assistance to help pay for health insurance. Advanced Premium Tax Credits (APTCs) are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). These subsidies can significantly reduce your monthly premium, making comprehensive coverage more affordable. Virginia expanded Medicaid in 2019 (Virginia Medicaid Expansion / FAMIS Plus). Adults with incomes up to 138% FPL may qualify for Virginia Medicaid. This program provides comprehensive health coverage with no premiums or deductibles for eligible low-income residents. Pregnant women in Virginia may qualify for FAMIS Moms if their income is up to 200% FPL, providing extensive prenatal, delivery, and 12 months of postpartum care. Children in households up to 200% FPL can get coverage through FAMIS, with FAMIS Select offering low-cost options for children between 200% and 400% FPL. You can apply for these programs through commonhelp.virginia.gov.

Making Your Health Insurance Decision in Chantilly

Choosing the right health plan requires careful consideration of your health needs, budget, and preferred providers.

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus), which offers comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for Advanced Premium Tax Credits (APTCs) to lower your monthly premiums. Consider a Silver plan, as you may also qualify for Cost-Sharing Reductions (CSRs) to lower your deductibles, copays, and out-of-pocket maximums.
If your income is above 400% FPL: You will pay the full premium, but can still choose from the variety of plans on Marketplace Virginia. Compare Bronze, Silver, Gold, and Platinum options based on your expected healthcare usage.

A licensed health insurance producer can help you compare plans from Sentara Health Plans and other carriers, determine your eligibility for subsidies, and enroll in a plan that meets your specific needs. Their services are free to you.

Frequently Asked Questions

Are Sentara Health Plans available in Chantilly, Virginia?

Yes, Sentara Health Plans is one of 6 carriers offering health insurance plans on the Marketplace Virginia (HealthCare.gov) for residents of Chantilly, Virginia, and the broader Rating Area 1 for the 2026 plan year. You can compare their plans with others through a licensed agent.

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

In Virginia, marketplace health insurance options, including those from Sentara Health Plans, typically include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific plan types available from Sentara will depend on their offerings for Rating Area 1 in 2026.

Can I get a subsidy for Sentara Health Plans in Chantilly?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advanced Premium Tax Credits (APTCs) to lower your monthly premiums for Sentara Health Plans or any other marketplace plan. Individuals below 138% FPL in Virginia may qualify for Virginia Medicaid (FAMIS Plus).

What is the uninsured rate in Chantilly, Virginia?

Chantilly, Virginia, has an uninsured rate of 10.7%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is higher than the Fairfax County average of 7.1%, indicating a significant need for affordable health coverage options in the city.