The Best Cheap Health Insurance in Virginia 2017

Consumers seeking health insurance in the state of Virginia can find affordable options by looking at the plans offered on the Virginia Health Insurance Marketplace through Healthcare.gov. Overall the companies that tend to have the cheapest plans on a premium basis are United Healthcare, Innovation Health, Anthem HealthKeepers, and Cigna. Consumers interested in minimizing premium payments should look towards these providers as one primary option in their search for health insurance.

In many countries the Anthem HealthKeepers Silver X 5000 has the lowest premiums of all silver plans, though it does come with an individual deductible of $5,000 which is higher than most other silver plans. Anthem HealthKeepers also has the largest coverage area with a service area of 130 counties overall. All the other plan providers cover less than half the available counties in the state, with the next highest being Aetna which only serves 51.

Contents

Companies Offering Plans on the Virginia Exchange

In 2017, 11 Health Insurance companies will be offering Affordable Care Act compliant plans through the exchanges on healthcare.gov. For shoppers with incomes under 400% of the Federal Poverty Level, or $47,080 for a single individual, plans purchased through the exchanges will be eligible for premium assistance through tax subsidies. The companies offering plans this year are:

Company

Counties Served

Aetna Health

51

CareFirst Blue Choice

7

Cigna Health and Life Insurance Company

24

Group Hospitalization and Medical Services

7

HealthKeepers (Anthem)

130

Innovation Health Insurance Company

19

Kaiser Foundation

20

Optima Health Plan

35

Piedmont Community HealthCare HMO

17

Piedmont Community HealthCare

17

UnitedHealthcare of the Mid-Atlantic

32
Graph of Average Silver Plan Price By Insurer

Finding the Best and Cheapest Health Insurance Plans

Determining the best/cheapest overall health insurance plan will depend on your income and health status. Individuals with higher expected medical costs should actually pay slightly higher premiums for plans that have lower out of pocket costs. This is especially true if your income range falls under the threshold that will qualify you for cost sharing reductions that further reduce your copays, coinsurance and deductibles.

Start by Browsing Silver Plans

For all but the healthiest consumers we suggest that you begin your search by looking at the Silver level plans. These plans are generally a little more expensive in terms of premiums but come with substantially lower cost sharing. Furthermore they are the only plans that are eligible for additional subsidies for cost sharing reductions. If you earn under 250% of the Federal Poverty Level, or $29,425 for a single individual, you will actually see substantially lower copays, coinsurance and deductibles.

Consumers that have routine medical bills will see the benefits of lower out of pocket expenses immediately. The lower out of pocket maximums and deductibles will limit the risk of large payments should you need urgent medical care. Silver plans generally strike a good balance between premiums and out of pocket costs. To help expedite your shopping we've included a table that lists the cheapest silver plan option in each county along with the pre-subsidy price for 21 and 40 year olds.

Cheap Bronze Plans for the Healthy

While Bronze plans will have lower premiums, this is only part of the cost of healthcare. Bronze plans will typically have much higher deductibles and out of pocket costs meaning that should you need treatment your total costs may actually be higher. The Bronze and Catastrophic plans will generally be a cheaper overall option for consumers that are healthier and have less need for routine medical care. In such cases the lower premiums combined with the lower likelihood of out of pocket expenses make these plans attractive.

To help with your search, the following table outlines which insurer offers the cheapest silver plan in each county. The prices listed here are before any subsidies are applied and are prices for a single individual. Anyone with incomes low enough to qualify for a subsidy will see prices that fall under these amounts.

County

Plan Name($) Age 21($) Age 40

Accomack

Anthem HealthKeepers Silver X 5000257.15328.64

Albemarle

Anthem HealthKeepers Silver X 5000237.29303.26

Alexandria City

Innovation Health Leap Silver Basic231.22295.5

Alleghany

Anthem HealthKeepers Silver X 5000257.15328.64

Amelia

Aetna Leap Everyday Bon Secours226.35289.27

Amherst

Anthem HealthKeepers Silver X 5000263.69337

Appomattox

Anthem HealthKeepers Silver X 5000263.69337

Arlington

Innovation Health Leap Silver Basic231.22295.5

Augusta

Anthem HealthKeepers Silver X 5000257.15328.64

Bath

Anthem HealthKeepers Silver X 5000257.15328.64

Bedford

Anthem HealthKeepers Silver X 5000263.69337

Bedford City

Anthem HealthKeepers Silver X 5000263.69337

Bland

Anthem HealthKeepers Silver X 5000257.15328.64

Botetourt

Anthem HealthKeepers Silver X 5000271.21346.61

Bristol

Anthem HealthKeepers Silver X 5000257.02328.47

Brunswick

Anthem HealthKeepers Silver X 5000257.15328.64

Buchanan

Anthem HealthKeepers Silver X 5000257.15328.64

Buckingham

Anthem HealthKeepers Silver X 5000257.15328.64

Buena Vista City

Anthem HealthKeepers Silver X 5000257.15328.64

Campbell

Anthem HealthKeepers Silver X 5000263.69337

Caroline

Anthem HealthKeepers Silver X 5000237.11303.03

Carroll

Anthem HealthKeepers Silver X 5000257.15328.64

Charles City

Cigna Connect 4500231.82296.26

Charlotte

Anthem HealthKeepers Silver X 5000257.15328.64

Charlottesville City

Anthem HealthKeepers Silver X 5000237.29303.26

Chesapeake City

Anthem HealthKeepers Silver X 5000264.26337.72

Chesterfield

Aetna Leap Everyday Bon Secours226.35289.27

Clarke

Innovation Health Leap Silver Basic231.22295.5

Colonial Heights City

Cigna Connect 4500231.82296.26

Covington City

Anthem HealthKeepers Silver X 5000257.15328.64

Craig

Anthem HealthKeepers Silver X 5000271.21346.61

Culpeper

Anthem HealthKeepers Silver X 5000257.15328.64

Cumberland

Anthem HealthKeepers Silver X 5000237.11303.03

Danville City

Anthem HealthKeepers Silver X 5000258.68330.59

Dickenson

Anthem HealthKeepers Silver X 5000257.15328.64

Dinwiddie

Cigna Connect 4500231.82296.26

Emporia City

Anthem HealthKeepers Silver X 5000257.15328.64

Essex

Anthem HealthKeepers Silver X 5000257.15328.64

Fairfax

Innovation Health Leap Silver Basic231.22295.5

Fairfax City

Innovation Health Leap Silver Basic231.22295.5

Falls Church City

Innovation Health Leap Silver Basic231.22295.5

Fauquier

Innovation Health Leap Silver Basic231.22295.5

Floyd

Anthem HealthKeepers Silver X 5000257.15328.64

Fluvanna

Anthem HealthKeepers Silver X 5000237.29303.26

Franklin

Anthem HealthKeepers Silver X 5000271.21346.61

Franklin City

Anthem HealthKeepers Silver X 5000257.15328.64

Frederick

Innovation Health Leap Silver Basic231.22295.5

Fredericksburg City

Innovation Health Leap Silver Basic231.22295.5

Galax City

Anthem HealthKeepers Silver X 5000257.15328.64

Giles

Anthem HealthKeepers Silver X 5000278.18355.51

Gloucester

Aetna Leap Everyday Coastal VA HP262.79335.85

Goochland

Aetna Leap Everyday Bon Secours226.35289.27

Grayson

Anthem HealthKeepers Silver X 5000257.15328.64

Greene

Anthem HealthKeepers Silver X 5000237.29303.26

Greensville

Anthem HealthKeepers Silver X 5000257.15328.64

Halifax

Anthem HealthKeepers Silver X 5000257.15328.64

Hampton City

Aetna Leap Everyday Coastal VA HP262.79335.85

Hanover

Aetna Leap Everyday Bon Secours226.35289.27

Harrisonburg City

Anthem HealthKeepers Silver X 5000260.57333.01

Henrico

Aetna Leap Everyday Bon Secours226.35289.27

Henry

Anthem HealthKeepers Silver X 5000257.15328.64

Highland

Anthem HealthKeepers Silver X 5000257.15328.64

Hopewell City

Cigna Connect 4500231.82296.26

Isle Of Wight

Aetna Leap Everyday Coastal VA HP262.79335.85

James City

Aetna Leap Everyday Coastal VA HP262.79335.85

King And Queen

Anthem HealthKeepers Silver X 5000237.11303.03

King George

Anthem HealthKeepers Silver X 5000257.15328.64

King William

Anthem HealthKeepers Silver X 5000237.11303.03

Lancaster

Anthem HealthKeepers Silver X 5000257.15328.64

Lee

Anthem HealthKeepers Silver X 5000257.15328.64

Lexington City

Anthem HealthKeepers Silver X 5000257.15328.64

Loudoun

Innovation Health Leap Silver Basic231.22295.5

Louisa

Anthem HealthKeepers Silver X 5000237.11303.03

Lunenburg

Anthem HealthKeepers Silver X 5000257.15328.64

Lynchburg City

Anthem HealthKeepers Silver X 5000263.69337

Madison

Anthem HealthKeepers Silver X 5000257.15328.64

Manassas City

Innovation Health Leap Silver Basic231.22295.5

Manassas Park City

Innovation Health Leap Silver Basic231.22295.5

Martinsville City

Anthem HealthKeepers Silver X 5000257.15328.64

Mathews

Aetna Leap Everyday Coastal VA HP262.79335.85

Mecklenburg

Anthem HealthKeepers Silver X 5000257.15328.64

Middlesex

Anthem HealthKeepers Silver X 5000257.15328.64

Montgomery

Anthem HealthKeepers Silver X 5000278.18355.51

Nelson

Anthem HealthKeepers Silver X 5000237.29303.26

New Kent

Aetna Leap Everyday Bon Secours226.35289.27

Newport News City

Aetna Leap Everyday Coastal VA HP262.79335.85

Norfolk City

Anthem HealthKeepers Silver X 5000264.26337.72

Northampton

Anthem HealthKeepers Silver X 5000257.15328.64

Northumberland

Anthem HealthKeepers Silver X 5000257.15328.64

Norton City

Anthem HealthKeepers Silver X 5000257.15328.64

Nottoway

Anthem HealthKeepers Silver X 5000257.15328.64

Orange

Anthem HealthKeepers Silver X 5000257.15328.64

Page

Innovation Health Leap Silver Basic231.22295.5

Patrick

Anthem HealthKeepers Silver X 5000257.15328.64

Petersburg City

Cigna Connect 4500231.82296.26

Pittsylvania

Anthem HealthKeepers Silver X 5000258.68330.59

Poquoson City

Aetna Leap Everyday Coastal VA HP262.79335.85

Portsmouth City

Anthem HealthKeepers Silver X 5000264.26337.72

Powhatan

Aetna Leap Everyday Bon Secours226.35289.27

Prince Edward

Anthem HealthKeepers Silver X 5000257.15328.64

Prince George

Cigna Connect 4500231.82296.26

Prince William

Innovation Health Leap Silver Basic231.22295.5

Pulaski

Anthem HealthKeepers Silver X 5000278.18355.51

Radford

Anthem HealthKeepers Silver X 5000278.18355.51

Rappahannock

Anthem HealthKeepers Silver X 5000257.15328.64

Richmond

Anthem HealthKeepers Silver X 5000257.15328.64

Richmond City

Aetna Leap Everyday Bon Secours226.35289.27

Roanoke

Anthem HealthKeepers Silver X 5000271.21346.61

Roanoke City

Anthem HealthKeepers Silver X 5000271.21346.61

Rockbridge

Anthem HealthKeepers Silver X 5000257.15328.64

Rockingham

Anthem HealthKeepers Silver X 5000260.57333.01

Russell

Anthem HealthKeepers Silver X 5000257.15328.64

Salem

Anthem HealthKeepers Silver X 5000271.21346.61

Scott

Anthem HealthKeepers Silver X 5000257.02328.47

Shenandoah

Innovation Health Leap Silver Basic231.22295.5

Smyth

Anthem HealthKeepers Silver X 5000257.15328.64

Southampton

Anthem HealthKeepers Silver X 5000257.15328.64

Spotsylvania

Innovation Health Leap Silver Basic231.22295.5

Stafford

Innovation Health Leap Silver Basic231.22295.5

Staunton City

Anthem HealthKeepers Silver X 5000257.15328.64

Suffolk City

Anthem HealthKeepers Silver X 5000264.26337.72

Surry

Anthem HealthKeepers Silver X 5000264.26337.72

Sussex

Cigna Connect 4500231.82296.26

Tazewell

Anthem HealthKeepers Silver X 5000257.15328.64

Virginia Beach City

Anthem HealthKeepers Silver X 5000264.26337.72

Warren

Innovation Health Leap Silver Basic231.22295.5

Washington

Anthem HealthKeepers Silver X 5000257.02328.47

Waynesboro City

Anthem HealthKeepers Silver X 5000257.15328.64

Westmoreland

Anthem HealthKeepers Silver X 5000257.15328.64

Williamsburg City

Aetna Leap Everyday Coastal VA HP262.79335.85

Winchester City

Innovation Health Leap Silver Basic231.22295.5

Wise

Anthem HealthKeepers Silver X 5000257.15328.64

Wythe

Anthem HealthKeepers Silver X 5000257.15328.64

York

Aetna Leap Everyday Coastal VA HP262.79335.85

Premiums for Health Insurance: Age 21

The following table explores the health insurance costs for a single adult age 21 across different plan tiers in the state of Virginia. Plan options in each county vary so the prices you see in this table may not apply to your specific situation.

TIERMINIMUMMAXIMUMAVERAGE

Catastrophic

160225190

Bronze

192301237

Silver

226365280

Gold

310443368

Platinum

404404404
Graph of Average Health Insurance Costs in Virginia by Age Range and Metal Tier 2017

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