The Virginia health insurance landscape includes many avenues through which individuals and families may buy healthcare insurance plans. State residents without access to employer-sponsored coverage can shop and enroll for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health care plans such as Medicaid and CHIP.
HealthCare.org also offers free Virginia health insurance quotes for Obamacare individual insurance plans, short term health insurance, small employer health plans and access to Medicaid information.
Virginia and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Virginia elected to participate in the federal marketplace. When residents enroll in ACA-compliant health care plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.
In Virginia the Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits.
Medicaid expansion in Virginia
While many states have expanded Medicaid to single, low-income adults since Obamacare took effect, Virginia has not.
Virginia residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.
Virginia’s Children’s Health Insurance Program provides low-cost health insurance for eligible children. Information about Virginia CHIP is available online.
Get free quotes on Virginia health insurance plans from leading companies, and find health care plans in Virginia and apply for health coverage directly online.