Health insurance prices in Frederick County, VA (2026)
52 marketplace plans from 4 insurers. Cheapest plan $381/mo; typical Silver $529/mo. Official marketplace: Virginia's Insurance Marketplace (enter your ZIP for your real price and tax credit).
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). Rating Area 11.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $381–$490 (typical $412) · Silver $489–$691 (typical $529) · Gold $476–$664 (typical $511) · Catastrophic $347–$347 (typical $347)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Sentara Health Plans | 12 | $381 | $387 | $494 | $486 | Sentara M Bronze 9800 Ded | |
| Anthem Blue Cross Blue Shield (VA)Elevance Health (Blue Cross Blue Shield company) | 13 | $394 | $412 | $503 | $510 | Anthem HealthKeepers Bronze X DED 8700 | |
| Cigna HealthcareCigna Group | 14 | $410 | $413 | $532 | $511 | Connect Bronze 6500 Indiv Med Deductible | |
| UnitedHealthcareUnitedHealth Group | 13 | $449 | $467 | $648 | $639 | UHC Bronze Essential |
All 52 plans in Frederick County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Catastrophic X | Catastrophic | HMO | $347 | $10,600 | $10,600 | $14,764 | |
| Sentara Health Plans | Sentara M Bronze 9800 Ded | Bronze | HMO | $381 | $9,800 | $10,600 | $15,171 | |
| Sentara Health Plans | Sentara M Bronze 8400 Ded | Expanded Bronze | HMO | $383 | $8,400 | $10,600 | $15,198 | |
| Sentara Health Plans | Sentara M Bronze 7200 Ded | Expanded Bronze | HMO | $387 | $7,200 | $10,600 | $15,246 | |
| Sentara Health Plans | Sentara Standard M Bronze 7500 Ded | Expanded Bronze | HMO | $393 | $7,500 | $10,000 | $14,710 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Bronze X DED 8700 | Bronze | HMO | $394 | $8,700 | $10,600 | $15,326 | |
| Sentara Health Plans | Sentara M Bronze 6250 Ded HSA | Expanded Bronze | HMO | $397 | $6,250 | $8,500 | $13,269 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Bronze X DED 5500 | Expanded Bronze | HMO | $409 | $5,500 | $10,600 | $15,505 | |
| Cigna Healthcare | Connect Bronze 6500 Indiv Med Deductible | Expanded Bronze | EPO | $410 | $6,500 | $10,600 | $15,525 | |
| Cigna Healthcare | Connect Bronze 5000 Indiv Med Deductible | Expanded Bronze | EPO | $412 | $5,000 | $10,600 | $15,539 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Bronze X DED 5800 | Expanded Bronze | HMO | $412 | $5,800 | $10,600 | $15,548 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | EPO | $415 | $7,500 | $10,000 | $14,976 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Bronze X DED 7500 Standard | Expanded Bronze | HMO | $415 | $7,500 | $10,000 | $14,984 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Bronze X DED 5900 HSA | Expanded Bronze | HMO | $419 | $5,900 | $8,450 | $13,475 | |
| UnitedHealthcare | UHC Bronze Essential | Bronze | HMO | $449 | $10,600 | $10,600 | $15,989 | |
| Cigna Healthcare | Connect Bronze 0/4900 Indiv Medical/Rx Deductible | Expanded Bronze | EPO | $462 | $0 | $10,600 | $16,144 | |
| UnitedHealthcare | UHC Bronze Value | Expanded Bronze | HMO | $464 | $7,600 | $10,600 | $16,172 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $470 | $7,500 | $10,000 | $15,634 | |
| Sentara Health Plans | Sentara M Gold 3500 Ded | Gold | HMO | $476 | $3,500 | $6,450 | $12,166 | |
| Sentara Health Plans | Sentara M Gold 2200 Ded | Gold | HMO | $484 | $2,200 | $7,500 | $13,310 | |
| Sentara Health Plans | Sentara M Gold 1000 Ded | Gold | HMO | $488 | $1,000 | $9,950 | $15,809 | |
| Sentara Health Plans | Sentara M Silver 6500 Ded | Silver | HMO | $489 | $6,500 | $8,950 | $14,821 | |
| UnitedHealthcare | UHC Bronze Value+ (Dental + Vision) | Expanded Bronze | HMO | $490 | $7,600 | $10,600 | $16,476 | |
| Sentara Health Plans | Sentara Standard M Silver 6000 Ded | Silver | HMO | $494 | $6,000 | $8,900 | $14,823 | |
| Sentara Health Plans | Sentara M Silver 4400 Ded | Silver | HMO | $494 | $4,400 | $9,650 | $15,574 | |
| Sentara Health Plans | Sentara Standard M Gold 2000 Ded | Gold | HMO | $495 | $2,000 | $8,200 | $14,142 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Silver X DED 6000 Standard | Silver | HMO | $500 | $6,000 | $8,900 | $14,899 | |
| Cigna Healthcare | Connect Gold 2500 Indiv Med Deductible | Gold | EPO | $500 | $2,500 | $9,500 | $15,501 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Silver X DED 3200 | Silver | HMO | $501 | $3,200 | $10,150 | $16,159 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Gold X DED 1050 | Gold | HMO | $503 | $1,050 | $10,150 | $16,185 | |
| Cigna Healthcare | Connect Gold 2750 Indiv Med Deductible | Gold | EPO | $505 | $2,750 | $9,000 | $15,065 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Silver X DED 2450 | Silver | HMO | $506 | $2,450 | $10,600 | $16,675 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Silver X DED 4300 | Silver | HMO | $508 | $4,300 | $8,550 | $14,646 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Gold X DED 1450 | Gold | HMO | $510 | $1,450 | $8,500 | $14,614 | |
| Cigna Healthcare | Connect myDiabetesCare Gold 1800 Indiv Med Deductible | Gold | EPO | $511 | $1,800 | $10,500 | $16,633 | |
| Cigna Healthcare | Connect Gold 750 Indiv Med Deductible | Gold | EPO | $511 | $750 | $10,000 | $16,133 | |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | EPO | $513 | $2,000 | $8,200 | $14,354 | |
| Cigna Healthcare | Connect myHeartCare Gold 950 Indiv Med Deductible | Gold | EPO | $521 | $950 | $10,000 | $16,255 | |
| Anthem Blue Cross Blue Shield (VA) | Anthem HealthKeepers Gold X DED 2000 Standard | Gold | HMO | $527 | $2,000 | $8,200 | $14,520 | |
| Cigna Healthcare | Connect Silver 3250/4900 Indiv Medical/Rx Deductible | Silver | EPO | $529 | $3,250 | $9,200 | $15,553 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | EPO | $532 | $6,000 | $8,900 | $15,283 | |
| Cigna Healthcare | Connect Silver 6500 Indiv Med Deductible | Silver | EPO | $532 | $6,500 | $8,100 | $14,484 | |
| Cigna Healthcare | Connect Silver 4750 Indiv Med Deductible | Silver | EPO | $534 | $4,750 | $8,200 | $14,612 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $615 | $2,000 | $8,200 | $15,577 | |
| UnitedHealthcare | UHC Gold Advantage | Gold | HMO | $626 | $2,000 | $7,800 | $15,307 | |
| UnitedHealthcare | UHC Silver Value | Silver | HMO | $627 | $5,000 | $9,500 | $17,020 | |
| UnitedHealthcare | UHC Gold Copay Focus | Gold | HMO | $639 | $0 | $7,000 | $14,666 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $645 | $6,000 | $8,900 | $16,640 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision) | Gold | HMO | $651 | $2,000 | $7,800 | $15,610 | |
| UnitedHealthcare | UHC Silver Value+ (Dental + Vision) | Silver | HMO | $652 | $5,000 | $9,500 | $17,324 | |
| UnitedHealthcare | UHC Gold Copay Focus+ (Dental + Vision) | Gold | HMO | $664 | $0 | $7,000 | $14,969 | |
| UnitedHealthcare | UHC Silver Copay Focus | Silver | HMO | $691 | $0 | $10,150 | $18,444 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $381 | $412 | $490 | 18 | $7,500 | $10,600 | $15,415 |
| Silver | $489 | $529 | $691 | 15 | $5,000 | $8,950 | $15,553 |
| Gold | $476 | $511 | $664 | 18 | $2,000 | $8,200 | $15,186 |
| CatastrophicUnder 30 or hardship exemption only | $347 | $347 | $347 | 1 | $10,600 | $10,600 | $14,764 |
* 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.