Find Affordable Coverage in Virginia
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Virginia ACA Marketplace Overview
In 2026, approximately 370,000 Virginia residents are enrolled in ACA Marketplace coverage. Virginia uses its own state-run exchange for health insurance enrollment.
Virginia has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Virginia?
The benchmark Silver plan (second-lowest-cost Silver plan) in Virginia costs approximately $402/month before subsidies in 2026. However, most Virginia residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Virginia households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Virginia household income.
Top ACA Health Insurance Companies in Virginia
The following carriers offer ACA Marketplace plans in Virginia for 2026:
- CareFirst BlueCross
- Oscar Health
- Anthem
Plan availability varies by county in Virginia. Use Virginia's Insurance Marketplace to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Virginia
- Bronze: Lowest premiums, highest deductibles. Best for healthy Virginia residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Virginia households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Virginia residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Virginia counties.
When to Enroll in Virginia
- Open Enrollment: November 1 – January 15 on Virginia's Insurance Marketplace
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Virginia Insurance Resources
- Virginia's Insurance Marketplace — Official Virginia enrollment portal
- Virginia Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit