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

Sentara Health Insurance Plans in Nottoway County, Virginia

Sentara Health Plans is one of 6 carriers offering Affordable Care Act (ACA) marketplace plans in Nottoway County for 2026.
Nottoway County residents can choose from HMO, PPO, and EPO plan types through Marketplace Virginia, which uses HealthCare.gov.
Individuals and families with income between 100% and 400% FPL may qualify for significant premium subsidies.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% FPL, and pregnant women up to 200% FPL (FAMIS Moms).

Navigating health insurance options in Nottoway County, Virginia, includes exploring plans from Sentara Health Plans, a prominent provider in the region. For 2026, residents have several choices for individual and family health coverage through Marketplace Virginia, the state-based marketplace that utilizes the HealthCare.gov platform. Whether you're seeking comprehensive coverage, looking to reduce monthly premiums, or need specific benefits, understanding your options is the first step. Nottoway County residents can access plans that include HMO, PPO, and EPO structures, with financial assistance available based on household income.

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What Health Insurance Options Are Available in Nottoway County?

In Nottoway County, residents can choose from a range of health insurance plans available through Marketplace Virginia. These plans are regulated by the Affordable Care Act (ACA), ensuring essential health benefits, coverage for pre-existing conditions, and no annual or lifetime limits on essential care. For 2026, Nottoway County is part of Virginia Rating Area 8, which covers Accomack, Albemarle, Amelia, Amherst, Appomattox, Bland, Brunswick, Buckingham, Campbell, Caroline, Charlotte, Charlottesville, Cumberland, Danville, Emporia, Essex, Fluvanna, Giles, Gloucester, Greene, Greensville, Halifax, Henry, King William, King and Queen, Lancaster, Louisa, Lunenburg, Lynchburg, Martinsville, Mathews, Mecklenburg, Middlesex, Nelson, Northumberland, Nottoway, Patrick, Pittsylvania, Prince Edward, Prince George, Sussex, Westmoreland, Winchester counties. This means plan availability and pricing are consistent across these 43 counties. Marketplace plans in Virginia offer three primary structures:

Health Maintenance Organization (HMO) Plans: Typically require you to choose a primary care provider (PCP) within the plan's network and get referrals for specialists.
Preferred Provider Organization (PPO) Plans: Offer more flexibility, allowing you to see any doctor or specialist without a referral, though you'll save money by staying within the plan's network.
Exclusive Provider Organization (EPO) Plans: Similar to HMOs in that they generally don't cover out-of-network care, but may not require a PCP referral for specialists within the network.

Unlike some states, PPO plans ARE available on-exchange in Virginia, providing a broader range of choices for consumers.

Can I Get Financial Help with Health Insurance in Nottoway County?

Many Nottoway County residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms:

Advanced Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Virginia, if your income is between 100% and 400% FPL, you may qualify for APTCs.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You must enroll in a Silver-tier plan and have an income up to 250% FPL to be eligible for CSRs.

Virginia expanded Medicaid in 2019 (Virginia Medicaid Expansion / FAMIS Plus). Adults with income up to 138% FPL qualify for Medicaid, which provides comprehensive coverage with no premiums or very low out-of-pocket costs. This means that if your income is below 138% FPL, you may qualify for Virginia Medicaid rather than a subsidized marketplace plan. For families, Virginia Medicaid (FAMIS Moms) covers pregnant women with income up to 200% FPL, including 12 months of postpartum care. FAMIS (Family Access to Medical Insurance Security) covers uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage. You can apply for these programs through commonhelp.virginia.gov.

Health Insurance Carriers in Nottoway County

In 2026, 6 carriers offer marketplace plans in Rating Area 8, which includes Nottoway County. These carriers provide a range of plan options, including Sentara Health Plans. When selecting a plan, consider factors such as monthly premiums, deductibles, copayments, coinsurance, and whether your preferred doctors and hospitals are in-network. The confirmed carriers for Nottoway County's Rating Area 8 in 2026 are:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

Nottoway County's 15,597 residents, with a median age of 41.5 years and a median income of $63,261, navigate health insurance options with an uninsured rate of 10.3%, per U.S. Census Bureau ACS 2024 5-year estimates. While Nottoway County has no acute care hospitals within its boundaries, residents typically travel to a neighboring county for acute medical services. The availability of multiple carriers like Sentara Health Plans ensures competitive options for coverage.

Choosing the Right Sentara Health Plan or Alternative in Nottoway County

When selecting a health plan, whether from Sentara Health Plans or another carrier, consider your healthcare needs and financial situation.

Plan Metal Tier	Key Characteristics	Best For
Bronze	Lowest monthly premiums, highest deductibles and out-of-pocket maximums. Covers 60% of costs on average.	Healthy individuals who want protection against catastrophic medical bills.
Silver	Moderate premiums and deductibles. Covers 70% of costs on average. Eligible for Cost-Sharing Reductions (CSRs) if income is up to 250% FPL.	Individuals and families who qualify for CSRs, or those who want a balance of premiums and out-of-pocket costs.
Gold	Higher monthly premiums, lower deductibles and out-of-pocket maximums. Covers 80% of costs on average.	Those who expect to use a lot of medical services and prefer predictable costs.
Platinum	Highest monthly premiums, lowest deductibles and out-of-pocket maximums. Covers 90% of costs on average.	Individuals with extensive healthcare needs who want minimal out-of-pocket expenses when receiving care.

Consider the following steps to find the best plan:

Estimate Your Healthcare Needs: If you anticipate frequent doctor visits or need specific prescriptions, a Gold or Platinum plan might save you money in the long run despite higher premiums. If you mostly need emergency coverage, a Bronze plan could be sufficient.
Check for Subsidies: Use the Marketplace Virginia website (HealthCare.gov) to determine if you qualify for premium tax credits or cost-sharing reductions. These can significantly lower your costs.
Verify Networks: Ensure that your preferred doctors, specialists, and any local facilities you use are included in the plan's network.
Compare Plan Types: Decide if an HMO, PPO, or EPO best fits your preference for referrals, out-of-network coverage, and flexibility.

Frequently Asked Questions

What types of health insurance plans does Sentara Health Plans offer in Nottoway County?

In Nottoway County, Sentara Health Plans, along with other carriers, offers a variety of plan types including HMO, PPO, and EPO options through Marketplace Virginia. The specific plans available can vary by year and rating area.

Can I get a subsidy for Sentara Health Plans in Nottoway County?

Yes, if your household income falls 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 other marketplace plans. Individuals and families with income below 138% FPL may qualify for Virginia Medicaid.

Are there other health insurance carriers besides Sentara Health Plans in Nottoway County?

Yes, in 2026, Nottoway County residents have access to plans from 6 different carriers in Rating Area 8. Besides Sentara Health Plans, these include CareFirst BlueChoice, Cigna, HealthKeepers, Oscar Health, and United Healthcare.

How do I apply for health insurance through Sentara Health Plans in Nottoway County?

You can apply for Sentara Health Plans and other marketplace options through Marketplace Virginia, which uses the HealthCare.gov platform. You can compare plans, check your eligibility for subsidies, and enroll directly. A licensed health insurance producer can also assist you with this process at no cost.