Health insurance prices in Virginia (2026)
83 marketplace plans from 7 insurers across 133 counties. Official marketplace: Virginia's Insurance Marketplace.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $339–$536 (typical $398) · Silver $435–$1,060 (typical $505) · Gold $424–$1,086 (typical $501) · Platinum $594–$594 (typical $594) · Catastrophic $277–$381 (typical $338)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 133) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Oscar Health | 25 | 5 | $352 | $369 | $482 | $474 | Bronze Simple |
| Sentara Health Plans | 133 | 12 | $339 | $383 | $489 | $483 | Sentara M Bronze 9800 Ded |
| Anthem Blue Cross Blue Shield (VA)Elevance Health (Blue Cross Blue Shield company) | 127 | 15 | $382 | $411 | $501 | $512 | Anthem HealthKeepers Bronze X DED 8700 |
| Kaiser Permanente | 20 | 13 | $354 | $376 | $508 | $465 | KP VA Bronze 7500 Ded |
| Cigna HealthcareCigna Group | 39 | 14 | $395 | $431 | $543 | $522 | Connect Bronze 6500 Indiv Med Deductible |
| UnitedHealthcareUnitedHealth Group | 44 | 13 | $407 | $449 | $627 | $614 | UHC Bronze Essential |
| CareFirst BlueCross BlueShield (VA)CareFirst (Blue Cross Blue Shield company) | 7 | 11 | $416 | $432 | $816 | $830 | BlueChoice HMO Referral Bronze 8250 Med Ded 25 Dent Ded Virtual Connect Plus |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $339 | $398 | $536 | 26 | $7,500 | $10,600 | $15,195 |
| Silver | $435 | $505 | $1,060 | 24 | $4,750 | $8,950 | $15,203 |
| Gold | $424 | $501 | $1,086 | 28 | $2,000 | $8,200 | $14,694 |
| Platinum | $594 | $594 | $594 | 1 | $0 | $5,200 | $12,325 |
| CatastrophicUnder 30 or hardship exemption only | $277 | $338 | $381 | 4 | $10,600 | $10,600 | $14,660 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Virginia
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Accomack County | 2 | 25 | $381 | $395 | $494 |
| Albemarle County | 2 | 25 | $385 | $402 | $511 |
| Alexandria city | 6 | 68 | $348 | $387 | $515 |
| Alleghany County | 2 | 25 | $381 | $395 | $494 |
| Amelia County | 5 | 59 | $339 | $405 | $497 |
| Amherst County | 2 | 25 | $356 | $393 | $527 |
| Appomattox County | 2 | 25 | $356 | $393 | $527 |
| Arlington County | 6 | 68 | $348 | $387 | $515 |
| Augusta County | 2 | 25 | $381 | $395 | $494 |
| Bath County | 3 | 38 | $381 | $406 | $500 |
| Bedford County | 2 | 25 | $356 | $393 | $527 |
| Bland County | 2 | 25 | $381 | $395 | $494 |
| Botetourt County | 2 | 25 | $381 | $401 | $513 |
| Bristol city | 3 | 38 | $381 | $399 | $494 |
| Brunswick County | 2 | 25 | $381 | $395 | $494 |
| Buchanan County | 2 | 25 | $381 | $395 | $494 |
| Buckingham County | 2 | 25 | $381 | $395 | $494 |
| Buena Vista city | 2 | 25 | $381 | $395 | $494 |
| Campbell County | 2 | 25 | $356 | $393 | $527 |
| Caroline County | 6 | 72 | $339 | $392 | $502 |
| Carroll County | 2 | 25 | $381 | $395 | $494 |
| Charles City County | 5 | 59 | $339 | $405 | $497 |
| Charlotte County | 2 | 25 | $381 | $395 | $494 |
| Charlottesville city | 2 | 25 | $385 | $402 | $511 |
| Chesapeake city | 2 | 27 | $347 | $372 | $482 |
| Chesterfield County | 5 | 59 | $339 | $405 | $497 |
| Clarke County | 4 | 54 | $348 | $398 | $501 |
| Colonial Heights city | 5 | 59 | $339 | $405 | $497 |
| Covington city | 2 | 25 | $381 | $395 | $494 |
| Craig County | 2 | 25 | $381 | $401 | $513 |
| Culpeper County | 3 | 38 | $354 | $388 | $495 |
| Cumberland County | 5 | 59 | $339 | $405 | $497 |
| Danville city | 2 | 25 | $381 | $395 | $498 |
| Dickenson County | 2 | 25 | $381 | $395 | $494 |
| Dinwiddie County | 5 | 59 | $339 | $405 | $497 |
| Emporia city | 2 | 25 | $381 | $395 | $494 |
| Essex County | 2 | 25 | $381 | $395 | $494 |
| Fairfax County | 7 | 83 | $348 | $396 | $511 |
| Fairfax city | 6 | 68 | $348 | $387 | $515 |
| Falls Church city | 6 | 68 | $348 | $387 | $515 |
| Fauquier County | 5 | 67 | $348 | $396 | $508 |
| Floyd County | 2 | 25 | $381 | $395 | $494 |
| Fluvanna County | 2 | 25 | $385 | $402 | $511 |
| Franklin County | 2 | 25 | $381 | $401 | $513 |
| Franklin city | 2 | 25 | $381 | $395 | $494 |
| Frederick County | 4 | 52 | $381 | $412 | $529 |
| Fredericksburg city | 4 | 53 | $348 | $384 | $491 |
| Galax city | 2 | 25 | $381 | $395 | $494 |
| Giles County | 2 | 25 | $381 | $415 | $549 |
| Gloucester County | 2 | 27 | $347 | $372 | $482 |
| Goochland County | 5 | 59 | $339 | $405 | $497 |
| Grayson County | 2 | 25 | $381 | $395 | $494 |
| Greene County | 2 | 25 | $385 | $402 | $511 |
| Greensville County | 2 | 25 | $381 | $395 | $494 |
| Halifax County | 2 | 25 | $381 | $395 | $494 |
| Hampton city | 2 | 27 | $347 | $372 | $482 |
| Hanover County | 6 | 72 | $339 | $392 | $502 |
| Harrisonburg city | 2 | 25 | $381 | $410 | $535 |
| Henrico County | 5 | 59 | $339 | $405 | $497 |
| Henry County | 2 | 25 | $381 | $395 | $494 |
| Highland County | 3 | 38 | $381 | $406 | $500 |
| Hopewell city | 5 | 59 | $339 | $405 | $497 |
| Isle of Wight County | 2 | 27 | $347 | $372 | $482 |
| James City County | 2 | 27 | $347 | $372 | $482 |
| King George County | 4 | 51 | $354 | $395 | $501 |
| King William County | 5 | 59 | $339 | $405 | $497 |
| King and Queen County | 5 | 59 | $339 | $405 | $497 |
| Lancaster County | 2 | 25 | $381 | $395 | $494 |
| Lee County | 2 | 25 | $381 | $395 | $494 |
| Lexington city | 2 | 25 | $381 | $395 | $494 |
| Loudoun County | 7 | 83 | $348 | $396 | $511 |
| Louisa County | 5 | 67 | $339 | $401 | $508 |
| Lunenburg County | 2 | 25 | $381 | $395 | $494 |
| Lynchburg city | 2 | 25 | $356 | $393 | $527 |
| Madison County | 2 | 25 | $381 | $395 | $494 |
| Manassas Park city | 5 | 67 | $348 | $396 | $508 |
| Manassas city | 5 | 67 | $348 | $396 | $508 |
| Martinsville city | 2 | 25 | $381 | $395 | $494 |
| Mathews County | 2 | 27 | $347 | $372 | $482 |
| Mecklenburg County | 2 | 25 | $381 | $395 | $494 |
| Middlesex County | 2 | 25 | $381 | $395 | $494 |
| Montgomery County | 2 | 25 | $381 | $415 | $549 |
| Nelson County | 2 | 25 | $385 | $402 | $511 |
| New Kent County | 5 | 59 | $339 | $405 | $497 |
| Newport News city | 2 | 27 | $347 | $372 | $482 |
| Norfolk city | 2 | 27 | $347 | $372 | $482 |
| Northampton County | 2 | 25 | $381 | $395 | $494 |
| Northumberland County | 2 | 25 | $381 | $395 | $494 |
| Norton city | 2 | 25 | $381 | $395 | $494 |
| Nottoway County | 2 | 25 | $381 | $395 | $494 |
| Orange County | 3 | 38 | $354 | $388 | $495 |
| Page County | 3 | 39 | $381 | $406 | $500 |
| Patrick County | 2 | 25 | $381 | $395 | $494 |
| Petersburg city | 5 | 59 | $339 | $405 | $497 |
| Pittsylvania County | 2 | 25 | $381 | $395 | $498 |
| Poquoson city | 2 | 27 | $347 | $372 | $482 |
| Portsmouth city | 2 | 27 | $347 | $372 | $482 |
| Powhatan County | 5 | 59 | $339 | $405 | $497 |
| Prince Edward County | 2 | 25 | $381 | $395 | $494 |
| Prince George County | 5 | 59 | $339 | $405 | $497 |
| Prince William County | 7 | 83 | $348 | $396 | $511 |
| Pulaski County | 2 | 25 | $381 | $415 | $549 |
| Radford city | 1 | 12 | $381 | $387 | $494 |
| Rappahannock County | 4 | 52 | $381 | $412 | $572 |
| Richmond County | 2 | 25 | $381 | $395 | $494 |
| Richmond city | 5 | 59 | $339 | $405 | $497 |
| Roanoke County | 2 | 25 | $381 | $401 | $513 |
| Roanoke city | 2 | 25 | $381 | $401 | $513 |
| Rockbridge County | 2 | 25 | $381 | $395 | $494 |
| Rockingham County | 2 | 25 | $381 | $410 | $535 |
| Russell County | 2 | 25 | $381 | $395 | $494 |
| Salem city | 1 | 12 | $381 | $387 | $494 |
| Scott County | 3 | 38 | $381 | $399 | $494 |
| Shenandoah County | 3 | 39 | $381 | $406 | $500 |
| Smyth County | 2 | 25 | $381 | $395 | $494 |
| Southampton County | 2 | 25 | $381 | $395 | $494 |
| Spotsylvania County | 5 | 67 | $348 | $396 | $508 |
| Stafford County | 5 | 67 | $348 | $396 | $508 |
| Staunton city | 2 | 25 | $381 | $395 | $494 |
| Suffolk city | 2 | 27 | $347 | $372 | $482 |
| Surry County | 2 | 27 | $347 | $372 | $482 |
| Sussex County | 4 | 54 | $339 | $408 | $525 |
| Tazewell County | 2 | 25 | $381 | $395 | $494 |
| Virginia Beach city | 2 | 27 | $347 | $372 | $482 |
| Warren County | 3 | 41 | $348 | $396 | $489 |
| Washington County | 3 | 38 | $381 | $399 | $494 |
| Waynesboro city | 2 | 25 | $381 | $395 | $494 |
| Westmoreland County | 4 | 51 | $354 | $395 | $501 |
| Williamsburg city | 2 | 27 | $347 | $372 | $482 |
| Winchester city | 4 | 52 | $381 | $412 | $529 |
| Wise County | 2 | 25 | $381 | $395 | $494 |
| Wythe County | 2 | 25 | $381 | $395 | $494 |
| York County | 2 | 27 | $347 | $372 | $482 |
To compare insurance plans side by side (or with health sharing), open your county.