Health Insurance in Bath, Highland & Westmoreland Counties, Virginia, VA — 2026 Plans & Premiums
38 ACA marketplace plans are available in Bath, Highland & Westmoreland Counties, Virginia, VA, from 2 insurers. The cheapest plan starts at $304.60/month before subsidies.
Insurers price these 3 counties identically, so plan availability and premiums below apply to all of them:
- Bath County
- Highland County
- Westmoreland County
38
Plans Available
$304.60
Cheapest Plan/mo
2
Insurers
Virginia's Insurance Marketplace
Exchange
Insurers Serving Bath, Highland & Westmoreland Counties, Virginia
Plans Available in Bath, Highland & Westmoreland Counties, Virginia
Sorted by monthly premium · 30-year-old · Before subsidies
HealthKeepers, Inc. Anthem HealthKeepers Catastrophic X
HealthKeepers, Inc.
$304.60/mo
Ded: $10,600
Sentara Health Plan Sentara M Bronze 9800 Ded
Sentara Health Plan
$338.32/mo
Ded: $9,800
Sentara Health Plan Sentara M Bronze 8400 Ded
Sentara Health Plan
$340.31/mo
Ded: $8,400
Sentara Health Plan Sentara M Bronze 7200 Ded
Sentara Health Plan
$343.87/mo
Ded: $7,200
HealthKeepers, Inc. Anthem HealthKeepers Bronze X DED 8700
HealthKeepers, Inc.
$345.76/mo
Ded: $8,700
Sentara Health Plan Sentara Standard M Bronze 7500 Ded
Sentara Health Plan
$348.60/mo
Ded: $7,500
Sentara Health Plan Sentara M Bronze 6250 Ded HSA
Sentara Health Plan
$352.98/mo
Ded: $6,250
HealthKeepers, Inc. Anthem HealthKeepers Bronze X DED 5500
HealthKeepers, Inc.
$358.82/mo
Ded: $5,500
Average Premiums in Bath, Highland & Westmoreland Counties, Virginia
Avg Bronze Plan
$361/mo
14 plans
Avg Silver (Subsidy Benchmark)
$472/mo
Eligible for CSR cost reductions
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Best Health Insurance in Virginia
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Compare plansFrequently asked questions about ACA insurance in Virginia
Which counties does this Virginia health insurance page cover?
This page covers 3 Virginia counties: Bath County, Highland County, Westmoreland County. Insurers offer the same plans at the same premiums across all of them, so the 38 plans and $304.60/month starting price shown here apply to every one.
What is the health insurance marketplace in Virginia?
The Virginia (VA) health insurance marketplace is Virginia's Insurance Marketplace (https://www.marketplace.virginia.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 38 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Virginia?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Virginia start from $304.6/month before subsidies.
Which Medicaid plan is best in Virginia?
There is no single "best" Medicaid plan in Virginia — Medicaid is administered through MCOs such as Anthem HealthKeepers, CareFirst BlueCross BlueShield, Sentara Health Plans (Optima). The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at Virginia's Insurance Marketplace. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Virginia?
Short-term health insurance is sold outside the ACA Marketplace in Virginia by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Virginia's Insurance Marketplace during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in VA?
Health insurance in VA starts as low as $304.6/month for a 30-year-old on a Bronze plan before subsidies. Most Virginia residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in VA for 2026?
The cheapest ACA option in VA for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Virginia plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Virginia for ACA plans?
Open Enrollment for Virginia residents runs from November 1 through January 15. Virginia runs its own exchange (Virginia's Insurance Marketplace), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Virginia?
Bronze-tier plans in Virginia start as low as $304.6/month for a 30-year-old before subsidies. With APTC tax credits, many Virginia residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Virginia use HealthCare.gov or its own state exchange?
Virginia runs its own state-based Marketplace called Virginia's Insurance Marketplace (https://www.marketplace.virginia.gov/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Virginia, not the federal government.
Has Virginia expanded Medicaid under the ACA?
Yes. Virginia has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Virginia?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Virginia residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Virginia's Insurance Marketplace subsidy calculator for your exact estimate.
What are the metal tiers in Virginia (Bronze, Silver, Gold, Platinum)?
Virginia ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Virginia?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Virginia through Virginia's Insurance Marketplace. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Virginia ACA plans cover dental and vision?
Virginia ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Virginia plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Virginia's Insurance Marketplace or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Virginia?
Outside Open Enrollment, Virginia residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Virginia's Insurance Marketplace.
How do I find in-network doctors and hospitals in Virginia?
Each Virginia ACA plan has its own provider network. Before enrolling, look up the plan on Virginia's Insurance Marketplace, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Bath, Highland & Westmoreland Counties, Virginia
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Bath, Highland & Westmoreland Counties, Virginia compares to the Virginia state average.
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