ACA Marketplace plans in Virginia

Looking for ACA marketplace health insurance in Virginia? Here is how this coverage lane works specifically for Virginia residents, what it costs, and how to get it.

Virginia residents buy ACA Marketplace plans through Virginia's Insurance Marketplace. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because Virginia runs a state-based marketplace, you enroll at Virginia's Insurance Marketplace. Plans and prices are set at the county level across Virginia's 95 counties, so two neighbors in different counties can see different options.

Virginia expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

Virginia's Insurance Marketplace is the state-based exchange for Virginia residents.

Virginia expanded Medicaid, so marketplace applications also evaluate Medicaid eligibility before offering subsidized private plans.

Northern Virginia, Richmond, Hampton Roads, and rural southwestern counties can show different issuer and premium patterns across 95 counties and equivalents.

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Frequently asked questions

When is Open Enrollment in Virginia?
Virginia follows Marketplace Open Enrollment in late fall for coverage starting January 1; Virginia's Insurance Marketplace may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time of year.
Are Virginia Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Virginia?
Virginia uses Virginia's Insurance Marketplace, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.

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