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*Not subsidy eligible
The plan prices and details shown here are just our initial estimates. To buy a plan, you must complete an application process with one of our partners that is licensed to sell insurance products and that will provide you more definitive information on plan prices, benefits, availability, and other details.
Not Sure How to Choose the Right Health Insurance Plan?
Getting the Virginia Health Insurance Plan You Need
Virginia Health Insurance Plan Basics
When looking for health insurance in Virginia, a licensed health insurance agent can help you sort through the many options, and you can also comparison shop online for coverage and costs by selecting several (at least three) insurers to compare premiums and plans.
Virginia insurers take a number of factors into consideration when determining the cost of a policy, including your age, gender, your current health, your personal habits (i.e., smoking and drinking alcohol) as well as the medical care costs and risk factors where you live.
When choosing the best Virginia health insurance for you and your family, remember to choose coverage that fits the unique needs of those covered under the policy, including access to the medical facilities and doctors you prefer and the benefits that you need and can afford.
If you have a pre-existing medical condition that makes you ineligible for a private Virginia health insurance plan, you can apply for coverage through the Virginia Pre-Existing Condition Insurance Plan.
The right provider should offer you sound advice on your various health plan options. We recommend that you speak to at least 1 licensed health insurance agent who is knowledgeable about your situation, and who is able to present you with a comprehensive set of options.
The right plan for you:
- Meets your budget. Factor in all costs, not just the monthly premium. Co-insurance, co-pays and deductibles are as much a cost factor than the premium.
- Has the doctors and hospitals you want or need.
- Provides the benefits you need. This includes any medical conditions you may have or may potentially have. You should also factor in coverage limits, waiting periods and medical condition riders.
If you are shopping online for health insurance, you might be comparing different plan options provided by multiple health insurance carriers. Most people will choose a plan based on the following factors: Price, Deductible, Co-Insurance, Ratings, Provider Network and Company. The biggest challenges we hear from health insurance consumers are (a) Understanding the total costs (premiums plus out-of-pocket expenses), and (b) Balancing cost with flexibility. If you have questions, we recommend speaking to a licensed health insurance agent who will take the time to understand your situation.
For more information on how to choose, U.S. government’s Health & Human Services guide to “Choosing a Health Plan”.