Sentara Health Insurance Plans in Roanoke County, Virginia

Sentara Health Plans is one of 6 carriers offering marketplace plans in Roanoke County, Virginia's Rating Area 5 for 2026.
Virginia's marketplace, Marketplace Virginia (HealthCare.gov), offers HMO, PPO, and EPO plans, with subsidies available based on income.
Roanoke County has a population of 97,023 and a low uninsured rate of 3.9%, per U.S. Census Bureau ACS 2024 5-year estimates.
Virginia expanded Medicaid in 2019, covering adults up to 138% FPL and pregnant women up to 200% FPL through FAMIS Plus and FAMIS Moms.

Navigating health insurance options in Roanoke County, Virginia, involves understanding both local availability and statewide programs. Sentara Health Plans is a prominent carrier in the region, offering coverage alongside other insurers through Marketplace Virginia, the state's health insurance exchange that uses the federal HealthCare.gov platform. Residents of Roanoke County can choose from a variety of plan types, including HMOs, PPOs, and EPOs, and may qualify for significant financial assistance to lower their monthly premiums and out-of-pocket costs. This guide details your options, eligibility for subsidies, and local healthcare resources.

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What Health Insurance Plans Are Available in Roanoke County?

In Roanoke County, residents primarily access health insurance through Marketplace Virginia, which operates on HealthCare.gov. This marketplace provides a range of plans categorized by metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover, with Bronze plans having lower premiums and higher out-of-pocket costs, and Gold/Platinum plans offering higher premiums but lower costs when you need care. For the 2026 plan year, shoppers in Roanoke County and the broader Rating Area 5 can select from Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Virginia is one of the states where PPO plans are available on-exchange, offering more flexibility in choosing providers without a referral, which can be a significant advantage for many individuals and families. It is important to compare the network of each plan, especially if you have existing doctors or prefer a specific hospital like Carilion Medical Center in Roanoke.

Understanding Sentara Health Plans in Roanoke County

Sentara Health Plans is a key participant in the Roanoke County health insurance market. As one of the six confirmed carriers in Rating Area 5, Sentara Health Plans offers competitive options for individuals and families seeking coverage through Marketplace Virginia. When evaluating Sentara Health Plans, consider their network of providers, plan types, and cost-sharing structures (deductibles, copayments, and coinsurance). Like all marketplace plans, Sentara Health Plans policies must cover the ten essential health benefits, including doctor visits, prescription drugs, mental health services, and maternity care. Comparing their offerings against other local carriers is crucial to finding a plan that best fits your healthcare needs and budget.

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

Who Qualifies for Financial Assistance in Virginia?

Many Roanoke County residents can get help paying for their health insurance through Marketplace Virginia. Financial assistance comes in two main forms:

Premium Tax Credits (Subsidies): These reduce your monthly premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). You may qualify if your income is between 100% and 400% FPL, and sometimes even higher, depending on the cost of benchmark plans.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available for Silver plans and typically apply to individuals with incomes between 100% and 250% FPL. Enrolling in a Silver plan with CSRs can provide significant savings on healthcare expenses when you use your plan.

Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level may qualify for Virginia Medicaid (also known as FAMIS Plus). This program provides comprehensive, no-cost health coverage. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, and the Family Access to Medical Insurance Security (FAMIS) program covers uninsured children up to 200% FPL. Children between 200% and 400% FPL may qualify for low-cost FAMIS Select.

Health Insurance Carriers in Roanoke County

Roanoke County is part of Virginia Rating Area 5, which covers Alleghany, Bath, Bedford, Botetourt, Carroll, Covington, Craig, Floyd, Galax, Grayson, Highland, Montgomery, Pulaski, Radford, Roanoke, Roanoke, Salem, Smyth, Wythe counties. In 2026, 6 carriers offer marketplace plans in Rating Area 5:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

It is important to compare plans from each of these carriers to find the best fit for your healthcare needs and budget. A licensed health insurance producer can help you navigate the options and determine your eligibility for financial assistance.

Local Healthcare Resources in Roanoke County

Roanoke County, with a population of 97,023 and an uninsured rate of 3.9% per U.S. Census Bureau ACS 2024 5-year estimates, is served by healthcare facilities such as Carilion Medical Center, an acute care hospital located in Roanoke. The median income in Roanoke County is $83,709, and the median age is 43.5 years. Residents benefit from access to a comprehensive healthcare system within the region. When selecting a health plan, verifying that your preferred doctors and any necessary specialists are within the plan's network, especially for HMO or EPO plans, is essential.

Making Your Health Plan Decision in Roanoke County

Choosing the right health insurance plan in Roanoke County depends on several factors, including your income, health needs, and preferred providers.

Income Level (FPL)	Recommended Action	Key Benefit
Below 138% FPL	Apply for Virginia Medicaid (FAMIS Plus)	Comprehensive, no-cost coverage
100% - 250% FPL	Enroll in a Silver plan with Cost-Sharing Reductions (CSRs)	Lower premiums and significantly reduced deductibles/copayments
251% - 400% FPL	Compare Bronze, Silver, and Gold plans with Premium Tax Credits	Subsidized premiums, balance cost and coverage
Above 400% FPL	Compare Bronze, Silver, and Gold plans	Full premium responsibility, focus on network and out-of-pocket maximums

A licensed health insurance producer can provide personalized guidance, helping you understand your eligibility for subsidies and compare plans from Sentara Health Plans and other carriers in Roanoke County. Their assistance is free and can ensure you make an informed decision for your health coverage.

Frequently Asked Questions

Are Sentara Health Plans available on the Virginia marketplace?

Yes, Sentara Health Plans is one of six carriers offering marketplace plans in Virginia Rating Area 5, which includes Roanoke County, for the 2026 plan year. You can enroll in a Sentara Health Plans policy through Marketplace Virginia or HealthCare.gov.

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

In Roanoke County, Sentara Health Plans, along with other carriers, offers a range of plan types including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. The specific availability of plan types from Sentara Health Plans can be confirmed when you shop on Marketplace Virginia.

Can I get financial assistance for Sentara Health Plans in Roanoke County?

Yes, if your income falls within certain limits, you may qualify for premium tax credits and cost-sharing reductions through Marketplace Virginia (HealthCare.gov). These subsidies can significantly lower your monthly premiums and out-of-pocket costs for plans, including those offered by Sentara Health Plans. A licensed agent can help you determine your eligibility.

What is the uninsured rate in Roanoke County?

According to U.S. Census Bureau ACS 2024 5-year estimates, Roanoke County has an uninsured rate of 3.9%, which is lower than the national average. This indicates a high rate of health insurance coverage among its population of 97,023 residents.