*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.
Like all states, rates for a qualified health insurance plan can greatly vary in Virginia. Depending on your household income, the insurer, and the metal level you choose -- Bronze, Silver, Gold, or Platinum -- you could pay anywhere from under $100 to several hundred dollars per month.
Keep in mind that with Bronze Plans, you pay less per month in premiums, but more out-of-pocket when you need medical services. Platinum Plans are the exact opposite, and are typically purchased by those who think they will need a lot of medical care, thereby minimizing out-of-pocket expenses.
All plans offer the same mandated 10 Essential Health Benefits, including preventive and wellness services, hospitalization, emergency care, prescription drugs and more.
* Source: Analysis of 2016 Premium Changes in the Affordable Care Act's Health Insurance Marketplaces." Analysis of 2016 Premium Changes in the Affordable Care Act's Health Insurance Marketplaces. Web. http://kff.org/health-reform/fact-sheet/analysis-of-2016-premium-changes-in-the-affordable-care-acts-health-insurance-marketplaces/.
Your insurance options may be limited if you have any of the following pre-existing conditions:
There are 2 types of health insurance plans:
Obamacare plans:
Lower Cost plans
Prosthetic devices replace a body part or function which may be lost through trauma, disease, or congenital conditions.
Prosthetic devices can include:
A Point of Service (POS) plan has some of the qualities of HMO and PPO plans with benefit levels varying depending on whether you receive your care in or out of the health insurance company's network of providers.
A POS plan may be right for you if:
A Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. In a PPO Plan, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network . You pay more if you use doctors, hospitals, and providers outside of the network.
A PPO plan may be right for you if:
Health Maintenance Organization (HMO) Plan. In most HMO Plans, you can only go to doctors, other health care providers, or hospitals on the plan's list except in an emergency. You may also need to get a referral from your primary care doctor.
An HMO plan may be right for you if:
EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.
An EPO plan may be right for you if: