United Healthcare Health Insurance in Roanoke, Virginia

United Healthcare is one of 6 confirmed health insurance carriers offering plans on Marketplace Virginia (HealthCare.gov) in Roanoke's Rating Area 5 for 2026.
Virginia Marketplace shoppers can choose from HMO, PPO, and EPO plans, including PPO options from United Healthcare.
Virginia expanded Medicaid, covering adults with incomes up to 138% of the Federal Poverty Level (FPL), while pregnant women and children may qualify at up to 200% FPL.
Roanoke, with a population of 98,355, has an uninsured rate of 9.8%, slightly below the national average.

Navigating health insurance options in Roanoke, Virginia, especially when considering a specific carrier like United Healthcare, involves understanding local plan availability, pricing, and eligibility for financial assistance. For 2026, United Healthcare is a confirmed participant on Marketplace Virginia (HealthCare.gov) in Rating Area 5, which includes Roanoke. This means residents can compare United Healthcare plans alongside offerings from other carriers during Open Enrollment or if they qualify for a Special Enrollment Period. Subsidies are available to significantly reduce monthly premiums and out-of-pocket costs for many Roanoke families.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What United Healthcare Plans are Available in Roanoke, Virginia?

In Roanoke's Rating Area 5, United Healthcare offers plans through Marketplace Virginia, the state-based marketplace utilizing the federal platform (HealthCare.gov). Virginia is an expanded Medicaid state, and its marketplace offers a range of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. United Healthcare specifically offers both HMO and PPO options, providing flexibility depending on your preference for network access and out-of-network coverage. When choosing a plan, consider the metal tiers:

Bronze Plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket costs. They are suitable for those who expect minimal medical care or want catastrophic coverage.
Silver Plans: Provide moderate premiums and out-of-pocket costs. These plans are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which further lower deductibles, copayments, and maximum out-of-pocket limits.
Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs, ideal for those who anticipate needing more medical care throughout the year.

All plans cover essential health benefits, including preventive care, prescription drugs, mental health services, and maternity care.

Understanding Financial Assistance and Virginia Medicaid in Roanoke

Many Roanoke residents can significantly lower their health insurance costs through financial assistance programs available via Marketplace Virginia.

Premium Tax Credits (Subsidies)

These credits reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Virginia, there is no upper income limit for subsidies; if your premium for the benchmark Silver plan (second-lowest cost Silver plan) exceeds 8.5% of your household income, you may qualify for assistance.

Cost-Sharing Reductions (CSRs)

Available only with Silver plans, CSRs reduce the amount you pay for deductibles, copayments, and coinsurance. You must have a household income between 100% and 250% FPL to qualify for these additional savings.

Virginia Medicaid and FAMIS Plus

Virginia expanded its Medicaid program in 2019 (known as Virginia Medicaid Expansion or FAMIS Plus). Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage at little to no cost. For a single individual, this is approximately $20,782 annually in 2026. This means that Roanoke residents with incomes in this range do not fall into a "coverage gap" and can access Medicaid. For pregnant women, Virginia Medicaid (FAMIS Moms) covers those with incomes up to 200% FPL, including 12 months of postpartum care. The Family Access to Medical Insurance Security (FAMIS) program covers uninsured children in households up to 200% FPL. For children between 200% and 400% FPL, FAMIS Select offers low-cost coverage. Applications for these programs can be submitted through commonhelp.virginia.gov.

Health Insurance Carriers in Roanoke

In 2026, 6 carriers offer marketplace plans in 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. Roanoke County, serving a population of 98,355 with an uninsured rate of 9.8% per U.S. Census Bureau ACS 2024 5-year estimates, is part of this multi-county rating area. Residents in Roanoke can choose from plans offered by the following confirmed carriers:

CareFirst BlueChoice
Cigna
HealthKeepers
Oscar Health
Sentara Health Plans
United Healthcare

These carriers provide a range of plan types, including HMO, PPO, and EPO options, ensuring a competitive marketplace for Roanoke residents. When selecting a plan, it is important to consider network access, especially to local facilities like Carilion Medical Center, the primary acute care hospital in Roanoke.

Choosing the Right Health Plan in Roanoke

Making an informed decision about health insurance in Roanoke depends on several factors, including your income, health needs, and preferred doctors or hospitals.

If your household income is below 138% FPL, you should explore Virginia Medicaid/FAMIS Plus options through commonhelp.virginia.gov.

For incomes between 100% and 250% FPL, prioritize Silver plans on Marketplace Virginia. These plans offer not only Premium Tax Credits but also valuable Cost-Sharing Reductions that significantly lower your out-of-pocket costs.

If your income is higher, or you anticipate significant medical expenses, Gold plans might be a better fit due to their lower deductibles. If you prefer flexibility to see out-of-network providers, a PPO plan from a carrier like United Healthcare could be ideal, though it may come with a higher premium.

Consider the network of each plan, especially if you have preferred providers or wish to continue receiving care at facilities such as Carilion Medical Center in Roanoke.

Frequently Asked Questions

Can I get United Healthcare health insurance through Marketplace Virginia?

Yes, United Healthcare is one of 6 confirmed carriers offering plans on Marketplace Virginia (HealthCare.gov) in Rating Area 5, which includes Roanoke and surrounding counties, for the 2026 plan year. You can compare their plans with others during Open Enrollment or a Special Enrollment Period.

What types of plans does United Healthcare offer in Roanoke?

In Virginia, United Healthcare offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans on the health insurance marketplace. You can choose the plan structure that best fits your needs, with PPO plans offering more flexibility to see out-of-network providers for a higher cost.

Who qualifies for Medicaid in Roanoke, Virginia?

Virginia expanded Medicaid in 2019, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage. For a single individual, this threshold is approximately $20,782 per year in 2026. Pregnant women and children have higher income thresholds, up to 200% FPL for FAMIS Moms and FAMIS.

What are the income limits for subsidies in Roanoke?

There are no upper income limits to qualify for ACA subsidies (Premium Tax Credits) in Virginia. If your premium for the benchmark Silver plan exceeds 8.5% of your household income, you are eligible for subsidies to reduce your monthly costs. Individuals and families with incomes between 100% and 400% FPL typically receive the largest subsidies, but even higher incomes may qualify depending on premium costs.