United Healthcare Health Insurance in Henrico County, Virginia

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

United Healthcare is one of 6 carriers offering marketplace plans in Henrico County for 2026, including both HMO and PPO options.
Henrico County is part of Virginia Rating Area 3, which encompasses 13 counties including Chesterfield and Hanover.
Virginia Medicaid (FAMIS Plus) covers adults up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 200% FPL.
The uninsured rate in Henrico County is 6.3%, lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Henrico County, Virginia, seeking health insurance, United Healthcare offers a range of individual and family plans available through Marketplace Virginia (HealthCare.gov). In 2026, United Healthcare is a confirmed carrier in Rating Area 3, which includes Henrico County, providing options that may qualify for significant financial assistance. Understanding your eligibility for subsidies, the types of plans offered by United Healthcare, and how they fit into the broader local market is key to making an informed decision about your healthcare coverage.

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What United Healthcare Plans Are Available in Henrico County?

In Henrico County, United Healthcare participates in Marketplace Virginia, offering both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. This provides flexibility for consumers, as PPO plans allow for out-of-network care (typically at a higher cost) without a referral, while HMO plans generally require you to choose a primary care provider and obtain referrals for specialists within a defined network. All plans offered through the marketplace cover the ten essential health benefits, including prescription drugs, mental health services, and maternity care. When selecting a United Healthcare plan, you'll choose from metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care:

Bronze plans have the lowest monthly premiums but the highest out-of-pocket costs, suitable for those who expect minimal healthcare use or want catastrophic coverage.
Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable for individuals and families with incomes up to 250% FPL, as they qualify for Cost-Sharing Reductions (CSRs) that significantly lower deductibles, copayments, and out-of-pocket maximums.
Gold plans feature higher monthly premiums but lower deductibles and copayments, making them a good choice for those who anticipate needing more medical care.
Platinum plans have the highest premiums but the lowest out-of-pocket costs, covering a greater share of medical expenses from the start.

It is crucial to compare the specific plan details, including deductibles, copayments, coinsurance, and out-of-pocket maximums, to find the United Healthcare plan that best suits your healthcare needs and budget.

How Do Subsidies Affect United Healthcare Plan Costs in Henrico County?

Financial assistance is available to make United Healthcare plans, and other marketplace plans, more affordable for eligible Henrico County residents. These subsidies come in two main forms:

Advance Premium Tax Credits (APTCs): These credits reduce your monthly premium payments. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.
Cost-Sharing Reductions (CSRs): These are available exclusively with Silver tier plans for individuals and families with incomes up to 250% FPL. CSRs reduce the amount you have to pay out-of-pocket for deductibles, copayments, and coinsurance, effectively making your Silver plan offer benefits closer to a Gold or even Platinum plan.

For example, a single individual in Henrico County making $35,000 annually (around 250% FPL) would likely qualify for both APTCs and CSRs, significantly lowering both their monthly premium and their out-of-pocket expenses for a United Healthcare Silver plan. It is important to enroll through Marketplace Virginia to access these financial aids.

Virginia Medicaid and FAMIS Plus Eligibility

Virginia expanded Medicaid in 2019, which means more adults in Henrico County can qualify for comprehensive health coverage. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Virginia Medicaid or FAMIS Plus. For a single individual, this threshold is approximately $20,782 per year in 2026. This program offers extensive coverage with no monthly premiums and minimal out-of-pocket costs. Furthermore, Virginia offers robust programs for pregnant women and children:

FAMIS Moms: Covers pregnant women with household incomes up to 200% FPL, including prenatal care, labor and delivery, and 12 months of postpartum care.
FAMIS (Family Access to Medical Insurance Security): Provides coverage for uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage options.

You can apply for Virginia Medicaid and FAMIS programs through commonhelp.virginia.gov.

Health Insurance Carriers in Henrico County

For 2026, Henrico County residents have a strong selection of health insurance carriers offering plans through Marketplace Virginia. Henrico County is part of Virginia Rating Area 3, which covers Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, New Kent, Petersburg, Powhatan, Richmond, Richmond counties. In 2026, 6 carriers offer marketplace plans in Rating Area 3:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

This competitive market ensures a variety of plan types and price points for consumers to choose from. When comparing plans, consider not only the premium and deductible but also the provider network, particularly if you have preferred doctors or hospitals. For example, Henrico Doctors' Hospital in Richmond provides acute care services to residents of Henrico County, and checking if your chosen United Healthcare plan includes this facility in its network is important. Henrico County's population of 335,744, with a median income of $88,783 and an uninsured rate of 6.3% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from this diverse carrier landscape in Rating Area 3. This array of choices helps ensure that individuals and families can find coverage that meets their specific health and financial needs.

Making Your Health Insurance Decision in Henrico County

Choosing the right health insurance plan, especially from a carrier like United Healthcare, involves evaluating your specific circumstances and needs. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Virginia Medicaid (FAMIS Plus). This program offers comprehensive, low-cost coverage. Apply through commonhelp.virginia.gov.
If your income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) to reduce your monthly premiums on United Healthcare plans or other marketplace options. Consider a Silver plan, especially if your income is below 250% FPL, to maximize Cost-Sharing Reductions (CSRs).
If your income is above 400% FPL: While you won't qualify for APTCs, you can still enroll in United Healthcare plans through Marketplace Virginia or directly with the carrier. Focus on comparing plan benefits, provider networks, and out-of-pocket costs across the metal tiers.
Consider your healthcare needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Silver plan with CSRs might offer better value despite higher premiums. If you expect minimal care, a Bronze plan could be more cost-effective.
Check provider networks: Confirm that your preferred doctors, specialists, and facilities, such as Henrico Doctors' Hospital, are in-network for any United Healthcare plan you consider.

Navigating these choices can be complex. A licensed health insurance agent can provide personalized guidance, help you compare United Healthcare plans with other options, and assist with the enrollment process—all at no cost to you.

Frequently Asked Questions

What types of United Healthcare plans are available in Henrico County?

In Henrico County, United Healthcare offers both HMO and PPO plans through Marketplace Virginia, providing a range of options for coverage and provider networks. PPO plans allow for out-of-network care, typically at a higher cost, while HMO plans generally require you to stay within a defined network.

Can I get a subsidy for a United Healthcare plan in Henrico County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums for United Healthcare plans purchased through Marketplace Virginia. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% FPL, reducing out-of-pocket costs.

Is United Healthcare available on Marketplace Virginia in Henrico County?

Yes, United Healthcare is one of the 6 confirmed carriers offering plans on Marketplace Virginia (HealthCare.gov) for residents in Henrico County and the broader Rating Area 3 in 2026. This means you can compare their plans with others and apply any eligible subsidies.

What are the income limits for Virginia Medicaid in Henrico County?

Virginia expanded Medicaid in 2019, meaning adults in Henrico County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost coverage through Virginia Medicaid or FAMIS Plus. Pregnant women and children have higher income thresholds, up to 200% FPL.