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

Sentara Health Insurance Plans in Floyd County, Virginia

Navigating health insurance options in Floyd County, Virginia, involves understanding the Affordable Care Act (ACA) marketplace and the carriers that serve your area. For 2026, Sentara Health Plans is a key provider, offering a range of health insurance plans to residents. Whether you're seeking coverage for yourself, your family, or considering different plan types like HMOs, PPOs, or EPOs, the Marketplace Virginia (also known as HealthCare.gov) is where you'll find and compare options. Financial assistance, in the form of premium tax credits, is widely available to make coverage more affordable based on your income.

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What Health Insurance Plans Are Available in Floyd County?

Residents of Floyd County, Virginia, have access to a variety of health insurance plans through the Marketplace Virginia. For the 2026 plan year, you can choose from plans offered by 6 confirmed carriers in Rating Area 5, which includes Floyd County. These plans are categorized by metal tiers—Bronze, Silver, Gold, and Platinum—each offering different levels of cost-sharing. Virginia's marketplace supports a variety of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) structures. This means you have flexibility in choosing a plan that balances network access, referral requirements, and cost. PPO plans, for instance, are available on-exchange in Virginia, allowing for more out-of-network coverage options compared to HMOs or EPOs, though often at a higher cost.

Understanding Sentara Health Plans in Floyd County

Sentara Health Plans is a prominent carrier offering health insurance coverage in Floyd County as part of Virginia Rating Area 5. When considering Sentara Health Plans, it's important to review their specific plan offerings for 2026 on Marketplace Virginia. These plans will outline details about deductibles, copayments, coinsurance, and annual out-of-pocket maximums. You will also find information on their provider networks, which include doctors, specialists, and hospitals that contract with Sentara Health Plans. Given that Floyd County has no acute care hospitals within its boundaries, residents often travel to neighboring counties for hospital services, making network considerations crucial when selecting a plan.

Financial Assistance and Virginia Medicaid Eligibility

Many individuals and families in Floyd County qualify for financial assistance to help pay for health insurance. Premium tax credits, available through Marketplace Virginia, can significantly reduce your monthly premium costs if your household income falls between 100% and 400% of the Federal Poverty Level (FPL). The Inflation Reduction Act has enhanced these subsidies through 2025, making coverage more affordable for more people. For those with lower incomes, Virginia offers expanded Medicaid coverage. Virginia expanded Medicaid in 2019 (known as Virginia Medicaid Expansion or FAMIS Plus), meaning adults with income up to 138% FPL may qualify for comprehensive, low-cost health coverage. This is a crucial safety net, ensuring that eligible residents do not fall into a "coverage gap." Pregnant women in Virginia may qualify for FAMIS Moms, which covers those with incomes up to 200% FPL, including prenatal care, delivery, and extended postpartum care. Children can receive coverage through FAMIS (Family Access to Medical Insurance Security) for households up to 200% FPL, with FAMIS Select offering low-cost options for children between 200% and 400% FPL. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Floyd County

For the 2026 plan year, residents of Floyd County, which is part of Virginia Rating Area 5, have 6 confirmed carriers offering marketplace health insurance plans. When comparing options, you will find a range of plans from these providers, allowing you to choose one that best fits your needs and budget. The confirmed carriers for Rating Area 5 in 2026 are: Floyd County, with a population of 15,593 and an uninsured rate of 7.3% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Rating Area 5. This multi-county rating area also covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, and Wythe counties. Choosing a plan involves comparing premiums, deductibles, out-of-pocket maximums, and in-network providers across these carriers.

How to Choose the Right Plan in Floyd County

Choosing the right health insurance plan requires evaluating several factors specific to your situation. Consider your expected healthcare needs for the year, your budget for monthly premiums, and your preference for doctor and hospital networks.
Income Level (FPL) Recommendation Key Benefit
Below 138% FPL Apply for Virginia Medicaid (FAMIS Plus) Comprehensive coverage with no premiums or deductibles.
100% - 250% FPL Consider Silver plans with Cost-Sharing Reductions (CSRs) Lower deductibles, copays, and out-of-pocket maximums in addition to premium tax credits.
250% - 400% FPL Compare Bronze, Silver, and Gold plans with premium tax credits Significant premium savings; choose plan tier based on expected healthcare usage.
Above 400% FPL Compare Bronze, Silver, Gold, and Platinum plans Full premium responsibility, but access to comprehensive plans.
For individuals and families with incomes between 100% and 250% FPL, Silver plans often provide the best value due to Cost-Sharing Reductions (CSRs). These reductions lower your deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you use it. Even if your income is higher, premium tax credits can still make Silver, Gold, or even Bronze plans more affordable than their sticker price.

Frequently Asked Questions

Can I get Sentara Health Plans insurance in Floyd County, Virginia?
Yes, Sentara Health Plans is one of 6 carriers offering Affordable Care Act (ACA) marketplace plans in Virginia Rating Area 5, which includes Floyd County, for the 2026 plan year. You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period.
What types of health plans does Sentara Health Plans offer in Floyd County?
Sentara Health Plans, like other marketplace carriers in Virginia, typically offers a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific plan structures and network options vary by individual plan offerings each year.
Am I eligible for financial assistance to lower my Sentara Health Plans premiums in Floyd County?
Yes, individuals and families in Floyd County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits through Marketplace Virginia to reduce their monthly premiums. Those below 138% FPL may qualify for Virginia Medicaid. Enhanced subsidies are available under the Inflation Reduction Act through 2025.
How does the uninsured rate in Floyd County compare to the state average?
Floyd County has an uninsured rate of 7.3%, per U.S. Census Bureau ACS 2024 5-year estimates. This is slightly lower than the statewide average for Virginia, indicating a relatively high rate of coverage among its residents.

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