Virginia ACA health insurance plans for 2026.
Virginia transitioned to its own state-based Marketplace in 2024 (previously used HealthCare.gov). We compare every on-exchange carrier in your county — Anthem BCBS VA, Sentara, Optima, Aetna, Oscar, Kaiser Permanente Mid-Atlantic, CareFirst — and check your doctor's network before you enroll.
Virginia's ACA Marketplace
Virginia transitioned to its own state-based Marketplace in 2024 (previously used HealthCare.gov).
Most Virginians qualify for federal premium tax credits.
2026 Virginia Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Virginia on-exchange carriers include: Anthem BCBS VA, Sentara, Optima, Aetna, Oscar, Kaiser Permanente Mid-Atlantic, CareFirst.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Virginia
Virginia expanded Medicaid in 2019. Adults under 138% FPL generally qualify for Cardinal Care (VA Medicaid).
Virginia ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Virginia counties & cities we cover
All 95 Virginia counties + 38 independent cities.
Ready to enroll in Virginia ACA coverage?
Free, no pressure. Licensed in Virginia and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.