Sentara Health Insurance Plans in Warren County, VA

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

Sentara Health Plans is one of 6 carriers offering ACA marketplace plans in Warren County, Virginia for the 2026 plan year.
Virginia's Marketplace offers HMO, PPO, and EPO plans, allowing Warren County residents a choice of network structures.
Adults in Virginia with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid.
Warren County, with a population of 41,531, is part of Virginia Rating Area 1, which includes 17 other counties.

If you're looking for health insurance in Warren County, Virginia, Sentara Health Plans is one of several carriers providing coverage through Marketplace Virginia, the state's exchange using the HealthCare.gov platform. Residents of Warren County can compare Sentara Health Plans' offerings alongside other insurers to find a plan that fits their budget and healthcare needs. All plans sold on the marketplace comply with the Affordable Care Act (ACA), guaranteeing coverage for essential health benefits and protecting against pre-existing condition exclusions.

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What Health Insurance Options Are Available in Warren County?

Warren County residents have access to a robust health insurance marketplace, offering a range of plan types and subsidies to make coverage more affordable. In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Warren County. These plans include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) options. PPO plans are available on-exchange in Virginia, giving consumers more flexibility in choosing providers. ACA plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover versus your out-of-pocket expenses.

Bronze plans: Offer lower monthly premiums but higher deductibles and out-of-pocket costs. They cover approximately 60% of costs.
Silver plans: Provide a balance between premiums and out-of-pocket costs, covering about 70% of expenses. These are the only plans eligible for Cost-Sharing Reductions (CSRs) for those who qualify.
Gold plans: Feature higher premiums but lower deductibles and out-of-pocket maximums, covering around 80% of costs.
Platinum plans: Have the highest premiums but the lowest out-of-pocket costs, covering approximately 90% of expenses.

Financial assistance, including Premium Tax Credits (subsidies), is available to eligible individuals and families to help lower monthly premiums, making coverage more accessible.

Sentara Health Plans and Other Carriers in Warren County

In 2026, 6 carriers offer marketplace plans in Rating Area 1, which covers Warren County. Sentara Health Plans is among the options available to residents. The full list of confirmed carriers for this rating area includes:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

When choosing a plan, it's important to consider not just the monthly premium but also the deductible, copayments, coinsurance, and the network of doctors and hospitals. Warren County's sole acute care facility, Warren Memorial Hospital in Front Royal, is an important local consideration for network access. Warren County, with a population of 41,531 and an uninsured rate of 9.0% (per U.S. Census Bureau ACS 2024 5-year estimates), is part of Virginia Rating Area 1. This multi-county rating area also covers Alexandria, Arlington, Clarke, Culpeper, Fairfax, Fairfax, Falls Church, Fauquier, Frederick, Fredericksburg, Loudoun, Madison, Manassas, Manassas Park, Orange, Prince William, Rappahannock, and Warren counties. Understanding which carriers operate in your specific rating area is crucial for accurate plan comparison.

Medicaid and Low-Cost Options for Warren County Residents

For residents with lower incomes, Virginia offers robust Medicaid programs. Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. This program provides comprehensive health coverage with no monthly premiums. Specialized programs are also available:

FAMIS Moms: Pregnant women with incomes up to 200% FPL can receive full coverage, including prenatal care, labor and delivery, and 12 months of postpartum care.
FAMIS (Children's Health Insurance Program - CHIP): Uninsured children in families with incomes up to 200% FPL are eligible for comprehensive, low-cost coverage.
FAMIS Select: For children between 200% and 400% FPL, FAMIS Select offers affordable coverage options.

You can apply for these programs through commonhelp.virginia.gov. If your income is above Medicaid thresholds but still qualifies for subsidies, Enhanced Silver plans on the marketplace can offer significant savings on out-of-pocket costs in addition to premium reductions.

Making Your Health Insurance Decision in Warren County

Navigating the health insurance landscape can be complex, but understanding your options and eligibility is key.

Income Level (FPL)	Recommended Action	Key Benefit
Below 138% FPL	Apply for Virginia Medicaid / FAMIS Plus	Comprehensive coverage with $0 premiums and low/no out-of-pocket costs.
138% - 250% FPL	Consider Silver plans with Cost-Sharing Reductions (CSRs) and Premium Tax Credits	Lower deductibles, copays, and out-of-pocket maximums, plus reduced monthly premiums.
250% - 400% FPL	Utilize Premium Tax Credits on any metal tier (Bronze, Silver, Gold)	Significant reduction in monthly premiums, making a wider range of plans affordable.
Above 400% FPL	Compare plans across all metal tiers on HealthCare.gov	Access to ACA-compliant plans; focus on network, deductible, and total out-of-pocket costs.

A licensed health insurance producer can provide personalized assistance, helping you compare plans from Sentara Health Plans and other carriers, determine your eligibility for financial aid, and enroll in the plan that best suits your needs, all at no cost to you.

Frequently Asked Questions

Can I get Sentara Health Plans through HealthCare.gov in Warren County?

Yes, Sentara Health Plans is one of 6 carriers offering plans on the Marketplace Virginia (HealthCare.gov) in Warren County for the 2026 plan year. You can compare their plans with others and apply for subsidies through the marketplace.

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

Sentara Health Plans, like other carriers in Virginia's Rating Area 1, offers a variety of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans through the marketplace. The specific offerings can vary by plan year and metal tier.

What are the income limits for Medicaid in Virginia?

Virginia expanded Medicaid in 2019. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Virginia Medicaid or FAMIS Plus. For pregnant women, coverage extends up to 200% FPL, and for children, FAMIS covers up to 200% FPL, with FAMIS Select offering low-cost options up to 400% FPL.

Is Warren Memorial Hospital in network for Sentara Health Plans?

Network participation varies by specific plan and carrier. While Sentara Health Plans offers coverage in Warren County, it is essential to verify if Warren Memorial Hospital and your preferred doctors are in-network for the specific Sentara Health Plans policy you are considering. You can usually check this through the plan's provider directory on HealthCare.gov or the carrier's website.