Health Insurance Plans in Virginia
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| KP VA Catastrophic 9200 Ded/Vision by Kaiser Permanente | Off | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Secure by Oscar Insurance Company | Off | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Anthem HealthKeepers Catastrophic DED 9200 by HealthKeepers, Inc. | Off | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Sentara Standard Bronze 7500 Ded by Optima Health Plan | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Sentara Bronze 7200 Ded by Optima Health Plan | Off | Bronze | $7,200 / $14,400 | $9,200 / $18,400 | Price & Details | |
| KP VA Bronze 7500 Ded by Kaiser Permanente | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| KP VA Bronze 7000 Ded/HSA/Vision by Kaiser Permanente | Off | Bronze | $7,000 / $14,000 | $7,000 / $14,000 | Price & Details | |
| Sentara Bronze 6000 Ded HSA by Optima Health Plan | Off | Bronze | $6,000 / $12,000 | $8,000 / $16,000 | Price & Details | |
| Innovation Health - Aetna Bronze 4 Advanced: HMO by Innovation Health Plan, Inc. | Off | Bronze | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| Anthem HealthKeepers POS Bronze DED 6500 for HSA by HealthKeepers, Inc. | Off | Bronze | $6,500 / $13,000 | $8,250 / $16,500 | Price & Details | |
| Innovation Health - Aetna Bronze S: HMO Aetna network of doctors & hospitals by Innovation Health Plan, Inc. | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| KP VA Bronze 6500 Ded/Vision by Kaiser Permanente | Off | Bronze | $6,500 / $13,000 | $9,200 / $18,400 | Price & Details | |
| Anthem HealthKeepers Bronze DED 8200 by HealthKeepers, Inc. | Off | Bronze | $8,200 / $16,400 | $9,200 / $18,400 | Price & Details | |
| Anthem HealthKeepers Bronze DED 5500 by HealthKeepers, Inc. | Off | Bronze | $5,500 / $11,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze-X Value by UnitedHealthcare | Off | Bronze | $6,750 / $13,500 | $9,200 / $18,400 | Price & Details | |
| Innovation Health - Aetna Bronze 4: HMO Aetna network of doctors & hospitals + Adult Dental + Vision by Innovation Health Plan, Inc. | Off | Bronze | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| Anthem HealthKeepers Bronze DED 5900 for HSA by HealthKeepers, Inc. | Off | Bronze | $5,900 / $11,800 | $8,250 / $16,500 | Price & Details | |
| Anthem HealthKeepers POS Bronze DED 6300 by HealthKeepers, Inc. | Off | Bronze | $6,300 / $12,600 | $9,200 / $18,400 | Price & Details | |
| Bronze Classic Standard by Oscar Insurance Company | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Anthem EPO Bronze DED 5500 for HSA by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,500 / $11,000 | $8,250 / $16,500 | Price & Details | |
| Anthem EPO Bronze DED 5900 by Anthem Blue Cross and Blue Shield | Off | Bronze | $5,900 / $11,800 | $9,200 / $18,400 | Price & Details | |
| Bronze S: HMO Aetna network of doctors & hospitals by Aetna Health Inc. | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Bronze 4 Advanced: HMO Aetna network + Adult Dental + Vision by Aetna Health Inc. | Off | Bronze | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| KP VA Standard Bronze 7500 Ded/Vision by Kaiser Permanente | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze-X Standard by UnitedHealthcare | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| Anthem HealthKeepers Bronze DED 5800 by HealthKeepers, Inc. | Off | Bronze | $5,800 / $11,600 | $9,200 / $18,400 | Price & Details | |
| Anthem HealthKeepers Bronze DED 7500 Standard by HealthKeepers, Inc. | Off | Bronze | $7,500 / $15,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze-X Value+ (Dental + Vision) by UnitedHealthcare | Off | Bronze | $6,750 / $13,500 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze-X Copay Focus by UnitedHealthcare | Off | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Bronze 4 Advanced: HMO Aetna network by Aetna Health Inc. | Off | Bronze | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| Sentara Silver 3500 Ded HSA by Optima Health Plan | Off | Silver | $3,500 / $7,000 | $7,000 / $14,000 | Price & Details | |
| Sentara Silver 6600 Ded by Optima Health Plan | Off | Silver | $6,600 / $13,200 | $8,100 / $16,200 | Price & Details | |
| KP VA Standard Silver 5000 Ded/Vision by Kaiser Permanente | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Sentara Standard Silver 5000 Ded by Optima Health Plan | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| KP VA Silver 4500 Ded/Vision by Kaiser Permanente | Off | Silver | $4,500 / $9,000 | $8,300 / $16,600 | Price & Details | |
| Innovation Health - Aetna Silver 5 Advanced: HMO by Innovation Health Plan, Inc. | Off | Silver | $7,495 / $14,990 | $8,695 / $17,390 | Price & Details | |
| Anthem HealthKeepers POS Silver DED 3500 for HSA by HealthKeepers, Inc. | Off | Silver | $3,500 / $7,000 | $8,100 / $16,200 | Price & Details | |
| Innovation Health - Aetna Silver S: HMO + Adult Dental + Vision by Innovation Health Plan, Inc. | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Innovation Health - Aetna Silver S: HMO Aetna network of doctors & hospitals by Innovation Health Plan, Inc. | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem HealthKeepers Silver DED 5000 Standard by HealthKeepers, Inc. | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Anthem HealthKeepers Silver DED 3200 by HealthKeepers, Inc. | Off | Silver | $3,200 / $6,400 | $9,200 / $18,400 | Price & Details | |
| Anthem EPO Silver DED 3300 for HSA by Anthem Blue Cross and Blue Shield | Off | Silver | $3,300 / $6,600 | $7,925 / $15,850 | Price & Details | |
| Anthem HealthKeepers Silver DED 2450 by HealthKeepers, Inc. | Off | Silver | $2,450 / $4,900 | $9,200 / $18,400 | Price & Details | |
| Innovation Health - Aetna Silver 10 Advanced: HMO by Innovation Health Plan, Inc. | Off | Silver | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| UHC Silver-X Value+ (Dental + Vision) by UnitedHealthcare | Off | Silver | $4,500 / $9,000 | $8,500 / $17,000 | Price & Details | |
| UHC Silver-X Standard by UnitedHealthcare | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Silver Classic Standard by Oscar Insurance Company | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Silver S: HMO Aetna network + Adult Dental + Vision by Aetna Health Inc. | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| Silver 5 Advanced: HMO Aetna network by Aetna Health Inc. | Off | Silver | $7,495 / $14,990 | $8,695 / $17,390 | Price & Details | |
| Silver S: HMO Aetna network of doctors & hospitals by Aetna Health Inc. | Off | Silver | $5,000 / $10,000 | $8,000 / $16,000 | Price & Details | |
| UHC Silver-X Copay Focus by UnitedHealthcare | Off | Silver | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Silver 10 Advanced: HMO Aetna network by Aetna Health Inc. | Off | Silver | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| Sentara Silver 3000 Ded by Optima Health Plan | Off | Silver | $3,000 / $6,000 | $8,000 / $16,000 | Price & Details | |
| Sentara Silver 3250 Ded by Optima Health Plan | Off | Silver | $3,250 / $6,500 | $9,200 / $18,400 | Price & Details | |
| KP VA Silver Virtual Forward 4000 Ded by Kaiser Permanente | Off | Silver | $4,000 / $8,000 | $7,500 / $15,000 | Price & Details | |
| KP VA Silver 2500 Ded/Vision by Kaiser Permanente | Off | Silver | $2,500 / $5,000 | $9,100 / $18,200 | Price & Details | |
| KP VA Silver Virtual Forward 3500 Ded by Kaiser Permanente | Off | Silver | $3,500 / $7,000 | $8,000 / $16,000 | Price & Details | |
| Anthem HealthKeepers Silver DED 3700 Tiered PCP by HealthKeepers, Inc. | Off | Silver | $3,700 / $7,400 | $8,800 / $17,600 | Price & Details | |
| Anthem HealthKeepers Silver DED 4300 by HealthKeepers, Inc. | Off | Silver | $4,300 / $8,600 | $8,550 / $17,100 | Price & Details | |
| Innovation Health - Aetna Silver 10 Advanced: HMO + Adult Dental + Vision by Innovation Health Plan, Inc. | Off | Silver | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| Silver 10 Advanced: HMO Aetna network + Adult Dental + Vision by Aetna Health Inc. | Off | Silver | $0 / $0 | $9,195 / $18,390 | Price & Details | |
| UHC Silver-X Value by UnitedHealthcare | Off | Silver | $4,700 / $9,400 | $8,500 / $17,000 | Price & Details | |
| Sentara Gold 2200 Ded by Optima Health Plan | Off | Gold | $2,200 / $4,400 | $6,400 / $12,800 | Price & Details | |
| Sentara Gold 800 Ded by Optima Health Plan | Off | Gold | $800 / $1,600 | $9,100 / $18,200 | Price & Details | |
| UHC Gold-X Advantage+ (Dental + Vision) by UnitedHealthcare | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| Sentara Standard Gold 1500 Ded by Optima Health Plan | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Sentara Gold 1300 Ded by Optima Health Plan | Off | Gold | $1,300 / $2,600 | $7,000 / $14,000 | Price & Details | |
| Innovation Health - Aetna Gold S: HMO Aetna network of doctors & hospitals by Innovation Health Plan, Inc. | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Anthem HealthKeepers Gold DED 1250 Tiered PCP by HealthKeepers, Inc. | Off | Gold | $1,250 / $3,750 | $8,150 / $16,300 | Price & Details | |
| KP VA Gold Virtual Forward 2350 Ded by Kaiser Permanente | Off | Gold | $2,350 / $4,700 | $4,980 / $9,960 | Price & Details | |
| KP VA Standard Gold 1500 Ded/Vision by Kaiser Permanente | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Anthem HealthKeepers POS Gold DED 1000 by HealthKeepers, Inc. | Off | Gold | $1,000 / $3,000 | $9,200 / $18,400 | Price & Details | |
| Anthem HealthKeepers POS Gold DED 1700 by HealthKeepers, Inc. | Off | Gold | $1,700 / $5,100 | $8,050 / $16,100 | Price & Details | |
| Gold Classic Standard by Oscar Insurance Company | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| KP VA Gold 1250 Ded/200 RxDed/Vision by Kaiser Permanente | Off | Gold | $1,250 / $2,500 | $7,500 / $15,000 | Price & Details | |
| UHC Gold-X Advantage by UnitedHealthcare | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| KP VA Gold 0 Ded/Vision by Kaiser Permanente | Off | Gold | $0 / $0 | $9,200 / $18,400 | 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 | |
| Anthem HealthKeepers Gold DED 1050 by HealthKeepers, Inc. | Off | Gold | $1,050 / $3,150 | $9,200 / $18,400 | Price & Details | |
| UHC Gold-X Standard by UnitedHealthcare | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| Anthem HealthKeepers Gold DED 1450 by HealthKeepers, Inc. | Off | Gold | $1,450 / $4,350 | $8,500 / $17,000 | Price & Details | |
| Anthem HealthKeepers Gold DED 1500 Standard by HealthKeepers, Inc. | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| KP VA Gold 2000 Ded/Vision by Kaiser Permanente | Off | Gold | $2,000 / $4,000 | $6,700 / $13,400 | Price & Details | |
| Gold S: HMO Aetna network of doctors & hospitals by Aetna Health Inc. | Off | Gold | $1,500 / $3,000 | $7,800 / $15,600 | Price & Details | |
| UHC Gold-X Copay Focus by UnitedHealthcare | Off | Gold | $0 / $0 | $7,000 / $14,000 | Price & Details | |
| Sentara Platinum 0 Ded by Optima Health Plan | Off | Platinum | $0 / $0 | $3,500 / $7,000 | Price & Details | |
| KP VA Standard Platinum 0 Ded/Vision by Kaiser Permanente | Off | Platinum | $0 / $0 | $4,300 / $8,600 | 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.
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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