Health Insurance Plans in Virginia
Enter your Zip Code to show plans available only in your area:
| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| Anthem HealthKeepers Catastrophic by HealthKeepers, Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| Secure by Oscar Insurance Company | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers Bronze DED 7500 Standard by HealthKeepers, Inc. | Off | Bronze | $7,500 / $15,000 | $10,000 / $20,000 | Price & Details | |
| Connect Bronze 6500 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Bronze | $6,500 / $13,000 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers Bronze DED 5500 by HealthKeepers, Inc. | Off | Bronze | $5,500 / $11,000 | $10,600 / $21,200 | Price & Details | |
| Connect Bronze CMS Standard by Cigna Health and Life Insurance Company | Off | Bronze | $7,500 / $15,000 | $10,000 / $20,000 | Price & Details | |
| Anthem HealthKeepers POS Bronze MED DED 0 RX DED 3000 by HealthKeepers, Inc. | Off | Bronze | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| Connect Bronze 0/4900 Indiv Medical/Rx Deductible by Cigna Health and Life Insurance Company | Off | Bronze | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| Sentara Bronze 7200 Ded by Optima Health Plan | Off | Bronze | $7,200 / $14,400 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers Bronze DED 8700 by HealthKeepers, Inc. | Off | Bronze | $8,700 / $17,400 | $10,600 / $21,200 | Price & Details | |
| Sentara Bronze 8400 Ded by Optima Health Plan | Off | Bronze | $8,400 / $16,800 | $10,600 / $21,200 | Price & Details | |
| Bronze Simple by Oscar Insurance Company | Off | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers Bronze DED 5800 by HealthKeepers, Inc. | Off | Bronze | $5,800 / $11,600 | $10,600 / $21,200 | Price & Details | |
| Sentara Bronze 9800 Ded by Optima Health Plan | Off | Bronze | $9,800 / $19,600 | $10,600 / $21,200 | Price & Details | |
| Sentara Standard Bronze 7500 Ded by Optima Health Plan | Off | Bronze | $7,500 / $15,000 | $10,000 / $20,000 | Price & Details | |
| Bronze Classic Standard by Oscar Insurance Company | Off | Bronze | $7,500 / $15,000 | $10,000 / $20,000 | Price & Details | |
| Connect Bronze HSA 6500 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Bronze | $6,500 / $13,000 | $8,500 / $17,000 | Price & Details | |
| Sentara Bronze 6250 Ded HSA by Optima Health Plan | Off | Bronze | $6,250 / $12,500 | $8,500 / $17,000 | Price & Details | |
| Connect Bronze 5000 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Bronze | $5,000 / $10,000 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers POS Bronze DED 5000 HSA by HealthKeepers, Inc. | Off | Bronze | $5,000 / $10,000 | $8,450 / $16,900 | Price & Details | |
| Anthem HealthKeepers Bronze DED 5900 HSA by HealthKeepers, Inc. | Off | Bronze | $5,900 / $11,800 | $8,450 / $16,900 | Price & Details | |
| Anthem HealthKeepers POS Bronze DED 6300 by HealthKeepers, Inc. | Off | Bronze | $6,300 / $12,600 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers POS Bronze DED 6500 HSA by HealthKeepers, Inc. | Off | Bronze | $6,500 / $13,000 | $8,450 / $16,900 | Price & Details | |
| Anthem EPO Bronze DED 5900 by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,900 / $11,800 | $10,600 / $21,200 | Price & Details | |
| Anthem EPO Bronze DED 5500 HSA by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,500 / $11,000 | $8,450 / $16,900 | Price & Details | |
| Connect Silver CMS Standard by Cigna Health and Life Insurance Company | Off | Silver | $6,000 / $12,000 | $8,900 / $17,800 | Price & Details | |
| Anthem HealthKeepers POS Silver DED 2000 by HealthKeepers, Inc. | Off | Silver | $2,000 / $4,000 | $10,600 / $21,200 | Price & Details | |
| Anthem HealthKeepers Silver DED 2450 by HealthKeepers, Inc. | Off | Silver | $2,450 / $4,900 | $10,600 / $21,200 | Price & Details | |
| Connect Silver 6500 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Silver | $6,500 / $13,000 | $8,100 / $16,200 | Price & Details | |
| Sentara Silver 5000 Ded by Optima Health Plan | Off | Silver | $5,000 / $10,000 | $10,000 / $20,000 | Price & Details | |
| Sentara Silver 3200 Ded by Optima Health Plan | Off | Silver | $3,200 / $6,400 | $8,000 / $16,000 | Price & Details | |
| Anthem HealthKeepers Silver DED 3700 Tiered PCP by HealthKeepers, Inc. | Off | Silver | $3,700 / $7,400 | $10,150 / $20,300 | Price & Details | |
| Sentara Silver 5900 Ded by Optima Health Plan | Off | Silver | $5,900 / $11,800 | $9,900 / $19,800 | Price & Details | |
| Connect Silver 6000 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Silver | $6,000 / $12,000 | $9,600 / $19,200 | Price & Details | |
| Connect Silver 1500 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Silver | $1,500 / $3,000 | $10,000 / $20,000 | Price & Details | |
| Anthem HealthKeepers POS Silver DED 3500 HSA by HealthKeepers, Inc. | Off | Silver | $3,500 / $7,000 | $8,450 / $16,900 | Price & Details | |
| Anthem HealthKeepers Silver DED 6000 Standard by HealthKeepers, Inc. | Off | Silver | $6,000 / $12,000 | $8,900 / $17,800 | Price & Details | |
| Connect Silver 3250/4900 Indiv Medical/Rx Deductible by Cigna Health and Life Insurance Company | Off | Silver | $3,250 / $6,500 | $9,200 / $18,400 | Price & Details | |
| Anthem EPO Silver DED 3500 HSA by Anthem Blue Cross and Blue Shield | Off | Silver | $3,500 / $7,000 | $8,450 / $16,900 | Price & Details | |
| Sentara Silver 3500 Ded HSA by Optima Health Plan | Off | Silver | $3,500 / $7,000 | $7,000 / $14,000 | Price & Details | |
| Sentara Standard Silver 6000 Ded by Optima Health Plan | Off | Silver | $6,000 / $12,000 | $8,900 / $17,800 | Price & Details | |
| Anthem HealthKeepers POS Silver DED 3400 HSA by HealthKeepers, Inc. | Off | Silver | $3,400 / $6,800 | $8,450 / $16,900 | Price & Details | |
| Silver Classic Standard by Oscar Insurance Company | Off | Silver | $6,000 / $12,000 | $8,900 / $17,800 | Price & Details | |
| Sentara Silver 6500 Ded by Optima Health Plan | Off | Silver | $6,500 / $13,000 | $8,950 / $17,900 | Price & Details | |
| Sentara Silver 4400 Ded by Optima Health Plan | Off | Silver | $4,400 / $8,800 | $9,650 / $19,300 | Price & Details | |
| Anthem HealthKeepers Silver DED 3200 by HealthKeepers, Inc. | Off | Silver | $3,200 / $6,400 | $10,150 / $20,300 | Price & Details | |
| Anthem HealthKeepers Silver DED 4300 by HealthKeepers, Inc. | Off | Silver | $4,300 / $8,600 | $8,550 / $17,100 | Price & Details | |
| Connect Silver 4750 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Silver | $4,750 / $9,500 | $8,200 / $16,400 | Price & Details | |
| Sentara Standard Gold 2000 Ded by Optima Health Plan | Off | Gold | $2,000 / $4,000 | $8,200 / $16,400 | Price & Details | |
| Gold Classic Standard by Oscar Insurance Company | Off | Gold | $2,000 / $4,000 | $8,200 / $16,400 | Price & Details | |
| Anthem HealthKeepers Gold DED 1050 by HealthKeepers, Inc. | Off | Gold | $1,050 / $3,150 | $10,150 / $20,300 | Price & Details | |
| Anthem HealthKeepers Gold DED 1450 by HealthKeepers, Inc. | Off | Gold | $1,450 / $4,350 | $8,500 / $17,000 | Price & Details | |
| Connect Gold CMS Standard by Cigna Health and Life Insurance Company | Off | Gold | $2,000 / $4,000 | $8,200 / $16,400 | Price & Details | |
| Anthem HealthKeepers POS Gold DED 400 by HealthKeepers, Inc. | Off | Gold | $400 / $800 | $9,200 / $18,400 | Price & Details | |
| Sentara Gold 3500 Ded by Optima Health Plan | Off | Gold | $3,500 / $7,000 | $6,450 / $12,900 | Price & Details | |
| Connect myDiabetesCare Gold 1800 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Gold | $1,800 / $3,600 | $10,500 / $21,000 | Price & Details | |
| Anthem HealthKeepers POS Gold DED 1700 by HealthKeepers, Inc. | Off | Gold | $1,700 / $5,100 | $8,050 / $16,100 | Price & Details | |
| Sentara Gold 2200 Ded by Optima Health Plan | Off | Gold | $2,200 / $4,400 | $7,500 / $15,000 | Price & Details | |
| Sentara Gold 1300 Ded by Optima Health Plan | Off | Gold | $1,300 / $2,600 | $7,500 / $15,000 | Price & Details | |
| Anthem HealthKeepers Gold DED 1250 Tiered PCP by HealthKeepers, Inc. | Off | Gold | $1,250 / $3,750 | $8,150 / $16,300 | Price & Details | |
| Connect Gold 750 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Gold | $750 / $1,500 | $10,000 / $20,000 | Price & Details | |
| Sentara Gold 1000 Ded by Optima Health Plan | Off | Gold | $1,000 / $2,000 | $9,950 / $19,900 | Price & Details | |
| Connect Gold 2500 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Gold | $2,500 / $5,000 | $9,500 / $19,000 | Price & Details | |
| Connect Gold 2750 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Gold | $2,750 / $5,500 | $9,000 / $18,000 | Price & Details | |
| Anthem HealthKeepers Gold DED 2000 Standard by HealthKeepers, Inc. | Off | Gold | $2,000 / $4,000 | $8,200 / $16,400 | Price & Details | |
| Anthem HealthKeepers POS Gold DED 3400 HSA by HealthKeepers, Inc. | Off | Gold | $3,400 / $6,800 | $3,400 / $6,800 | Price & Details | |
| Anthem HealthKeepers POS Gold DED 1000 by HealthKeepers, Inc. | Off | Gold | $1,000 / $3,000 | $9,800 / $19,600 | Price & Details | |
| Connect myHeartCare Gold 950 Indiv Med Deductible by Cigna Health and Life Insurance Company | Off | Gold | $950 / $1,900 | $10,000 / $20,000 | Price & Details | |
| Anthem EPO Gold DED 1700 by Anthem Blue Cross and Blue Shield | Off | Gold | $1,700 / $5,100 | $8,700 / $17,400 | Price & Details | |
| Sentara Platinum 0 Ded by Optima Health Plan | Off | Platinum | $0 / $0 | $3,800 / $7,600 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
TTY 711
Learn More About Obamacare and Off-Exchange Plans in Virginia
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan