Sentara Health Insurance Plans in Glen Allen, Virginia
- Sentara Health Plans is one of 6 confirmed carriers offering marketplace plans in Glen Allen's Rating Area 3 for 2026.
- Glen Allen residents can choose from HMO, PPO, and EPO plans on the Marketplace Virginia, with PPO options available.
- Individuals and families with incomes between 100% and 400% FPL may qualify for premium subsidies to lower monthly costs.
- Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL and pregnant women up to 200% FPL, with enrollment through commonhelp.virginia.gov.
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What Sentara Health Plans Options Are Available in Glen Allen?
In Glen Allen, Virginia, residents searching for health insurance through the Marketplace Virginia can explore a range of plans, including those offered by Sentara Health Plans. For the 2026 plan year, Sentara Health Plans is one of 6 carriers providing coverage in Rating Area 3, which encompasses Glen Allen and 12 other counties including Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, and Richmond counties. Marketplace plans in Virginia support HMO, PPO, and EPO structures, meaning you have flexibility in choosing how your care is accessed and managed. Sentara Health Plans typically offers competitive options within these categories, focusing on networks that include local hospitals and providers.Understanding Your Eligibility and Subsidies for Sentara Health Plans
Eligibility for Sentara Health Plans, particularly those offered through the Marketplace Virginia, depends on several factors, including your income and household size. The Affordable Care Act (ACA) provides financial assistance in the form of premium tax credits (subsidies) and cost-sharing reductions (CSRs) to make coverage more affordable.| Federal Poverty Level (FPL) | Assistance Available | Impact on Sentara Health Plans Costs |
|---|---|---|
| Below 138% FPL | Virginia Medicaid (FAMIS Plus) | You may qualify for comprehensive, low-cost or free coverage through Virginia Medicaid instead of a marketplace plan. For example, for a single individual, this would be an income below approximately $20,120 per year in 2026. |
| 100% - 400% FPL | Premium Tax Credits (Subsidies) | Reduces your monthly premium for any marketplace plan, including those from Sentara Health Plans. The exact amount depends on income, household size, and the cost of the benchmark Silver plan. |
| 100% - 250% FPL | Cost-Sharing Reductions (CSRs) on Silver Plans | Lowers deductibles, copayments, and out-of-pocket maximums for Silver-tier plans, making medical care more affordable when you use it. These are only available with Silver plans. |
Confirmed Health Insurance Carriers in Glen Allen
Glen Allen, located in Henrico County, is part of Virginia's Rating Area 3. This rating area serves a population of 17,551 in Glen Allen, with a median income of $92,723 and an uninsured rate of 2.8%, per U.S. Census Bureau ACS 2024 5-year estimates. For 2026, residents in Rating Area 3 have a choice of 6 confirmed health insurance carriers offering plans through the Marketplace Virginia. This includes the major acute care facility, Henrico Doctors' Hospital in nearby Richmond, which serves the broader Henrico County area, home to 335,744 residents. The confirmed carriers for Rating Area 3 in 2026 are:- CareFirst BlueChoice
- Cigna
- HealthKeepers
- Oscar Health
- Sentara Health Plans
- United Healthcare
Making Your Health Insurance Decision in Glen Allen
Choosing a Sentara Health Plans policy, or any other health plan in Glen Allen, involves assessing your healthcare needs, financial situation, and preferred providers.- If you prioritize lower monthly premiums: Consider Bronze or Expanded Bronze plans. These have higher deductibles but offer the lowest monthly cost. Be prepared for higher out-of-pocket costs if you need significant medical care.
- If you need moderate medical care and qualify for subsidies: A Silver plan, especially with Cost-Sharing Reductions (CSRs), can be an excellent value. CSRs significantly reduce your deductible and out-of-pocket maximums, making care more affordable.
- If you anticipate frequent medical care: Gold or Platinum plans offer lower deductibles and out-of-pocket costs, but come with higher monthly premiums. These plans can be beneficial if you have chronic conditions or expect to use healthcare services often.
- If you are pregnant or have children: Virginia Medicaid (FAMIS Moms) covers pregnant women up to 200% FPL, and FAMIS covers children up to 200% FPL. FAMIS Select is available for children between 200% and 400% FPL. Apply at commonhelp.virginia.gov.
- If your income is below 138% FPL: You may qualify for Virginia Medicaid (FAMIS Plus), which provides comprehensive health coverage with minimal or no cost.
Frequently Asked Questions
What types of plans does Sentara Health Plans offer in Glen Allen, VA?
Sentara Health Plans typically offers a range of health insurance plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options, depending on the specific plan year and rating area. In Virginia's Rating Area 3, which includes Glen Allen, consumers can choose from these plan types on the Marketplace Virginia.
How do I enroll in a Sentara Health Plans policy in Glen Allen?
You can enroll in a Sentara Health Plans policy, or any other marketplace plan, through Marketplace Virginia (HealthCare.gov). Enrollment typically occurs during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event like losing other coverage, getting married, or having a baby. A licensed health insurance producer can assist you with the application process at no cost.
Are subsidies available for Sentara Health Plans policies in Glen Allen?
Yes, individuals and families in Glen Allen with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits (subsidies) to help reduce the cost of their monthly premiums. Those with incomes up to 250% FPL may also qualify for cost-sharing reductions (CSRs) on Silver plans, which lower deductibles, copayments, and out-of-pocket maximums. Virginia Medicaid is available for adults up to 138% FPL.
Can I keep my doctor with Sentara Health Plans in Glen Allen?
The ability to keep your doctor depends on the specific Sentara Health Plans network and your doctor's participation in that network. HMO plans generally require you to choose a primary care physician within the network and get referrals for specialists. PPO and EPO plans offer more flexibility but may still have a defined network. It's always best to verify your doctor's network participation before enrolling in a new plan.