ACA Marketplace Plans Available in Virginia
Virginia residents have access to comprehensive ACA marketplace health insurance plans across all metal levels, with robust provider networks throughout Hampton Roads.
🥉 Bronze Level Plans
Most affordable monthly premiums with higher out-of-pocket costs. Good for healthy individuals who want catastrophic coverage:
- Anthem HealthKeepers - Strong Virginia provider network
- CareFirst BlueCross BlueShield - Northern Virginia focus with Hampton Roads coverage
- Innovation Health - Partnership between Aetna and Inova Health System
💡 Bronze Plan Features
60% actuarial value - plan pays 60% of covered expenses on average. Includes free preventive care and qualifies for Health Savings Account (HSA).
🥈 Silver Level Plans
Most popular choice offering balanced premiums and cost-sharing. Eligible for Cost-Sharing Reductions:
- Enhanced cost-sharing reductions for households earning 100-250% of Federal Poverty Level
- Lower deductibles and copays with Cost-Sharing Reductions applied
- Comprehensive networks including Sentara, Bon Secours, and EVMS providers
🏆 Best Value for Most Families
Silver plans provide 70% actuarial value and are the ONLY level eligible for Cost-Sharing Reductions, making them often the best financial choice.
🥇 Gold & Platinum Plans
Higher monthly premiums but lower out-of-pocket costs when you need care:
- Gold Plans - 80% actuarial value, ideal for frequent healthcare users
- Platinum Plans - 90% actuarial value, comprehensive coverage with minimal cost-sharing
- Lower deductibles and predictable copays for doctor visits and prescriptions
Virginia-Specific ACA Information
Important details about ACA marketplace coverage specific to Virginia residents and state programs.
🏛️ Virginia State Programs
FAMIS Plus (Virginia Medicaid Expansion)
- Available to adults aged 19-64 with income up to 138% of Federal Poverty Level
- Comprehensive coverage including dental and vision services
- No monthly premiums for most enrollees
- Year-round enrollment available
- Apply at commonhelp.virginia.gov or call 1-855-242-8282
Virginia Navigator Program
- Free, certified enrollment assistance available statewide
- In-person help with plan selection and enrollment
- Multilingual services available in Hampton Roads
- Call 2-1-1 for local navigator contact information
🏥 Major Healthcare Systems
Virginia Beach and Hampton Roads ACA plans include these excellent healthcare systems:
- Sentara Healthcare - Largest health system in Hampton Roads, in-network for most plans
- Bon Secours - Multiple locations throughout the region
- EVMS (Eastern Virginia Medical School) - Academic medical center with specialty care
- Chesapeake Regional Healthcare - Community-focused care throughout Chesapeake
- Virginia Beach General Hospital - Full-service acute care facility
🩺 Provider Networks
All ACA marketplace plans in Virginia must include Essential Health Benefits and meet network adequacy standards, ensuring access to quality care throughout Hampton Roads.
💰 Premium Tax Credits & Cost-Sharing
Virginia residents may qualify for financial assistance:
- Premium Tax Credits: Available for households earning 100-400% of Federal Poverty Level
- Cost-Sharing Reductions: Lower deductibles and copays for Silver plan enrollees earning 100-250% FPL
- 2025 Income Limits (family of 4):
- 100% FPL: $31,200 (Medicaid eligible)
- 250% FPL: $78,000 (Cost-Sharing Reductions)
- 400% FPL: $124,800 (Premium Tax Credits)
Hampton Roads ACA Resources
Local organizations and resources specifically for ACA marketplace enrollment and assistance in the Virginia Beach area.
📞 Local Assistance Contacts
- Virginia Beach Health Department: (757) 518-2700
- Norfolk Community Health Center: (757) 628-9941
- Chesapeake Integrated Behavioral Healthcare: (757) 382-8300
- Portsmouth Social Services: (757) 393-8481
- Hampton Health District: (757) 728-8300
🚌 Transportation & Access
Getting to healthcare appointments and enrollment assistance:
- HRT (Hampton Roads Transit) - Connects major medical facilities throughout the region
- Virginia Beach WAVE Transit - Local transportation with medical facility routes
- Medicaid Transportation - Available for FAMIS Plus enrollees
- Community Health Centers - Located throughout Hampton Roads with sliding fee scales