Virginia · ACA Marketplace plans
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.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for Virginia.
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.
Virginia facts
- Marketplace
- Virginia's Insurance Marketplace
- Medicaid expansion
- Adopted
- Uninsured rate
- ~7.0%
Open enrollment 2027
When Virginia can enroll.
- Opens
- Nov 1, 2026
- Sun
- For Jan 1 coverage
- Check the exchange
- Virginia Insurance Marketplace sets this date
- Last day to enroll
- Jan 29, 2027
- Fri
Virginia runs its own exchange. These dates come from a secondary source (healthinsurance.org, Aug 2026). Confirm with Virginia Insurance Marketplace before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
More in this state
Other coverage in Virginia.
- Health sharingMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is Open Enrollment in Virginia?
Virginia runs its own exchange, Virginia Insurance Marketplace. Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 29, 2027, according to a secondary source; confirm the dates with Virginia Insurance Marketplace. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times 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.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in Virginia?
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