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 counties 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.

CountyPlan Name($) Age 21($) Age 40
Accomack Anthem HealthKeepers Silver X 5000 257.15 328.64
Albemarle Anthem HealthKeepers Silver X 5000 237.29 303.26
Alexandria City Innovation Health Leap Silver Basic 231.22 295.5
Alleghany Anthem HealthKeepers Silver X 5000 257.15 328.64
Amelia Aetna Leap Everyday Bon Secours 226.35 289.27
Amherst Anthem HealthKeepers Silver X 5000 263.69 337
Appomattox Anthem HealthKeepers Silver X 5000 263.69 337
Arlington Innovation Health Leap Silver Basic 231.22 295.5
Augusta Anthem HealthKeepers Silver X 5000 257.15 328.64
Bath Anthem HealthKeepers Silver X 5000 257.15 328.64
Bedford Anthem HealthKeepers Silver X 5000 263.69 337
Bedford City Anthem HealthKeepers Silver X 5000 263.69 337
Bland Anthem HealthKeepers Silver X 5000 257.15 328.64
Botetourt Anthem HealthKeepers Silver X 5000 271.21 346.61
Bristol Anthem HealthKeepers Silver X 5000 257.02 328.47
Brunswick Anthem HealthKeepers Silver X 5000 257.15 328.64
Buchanan Anthem HealthKeepers Silver X 5000 257.15 328.64
Buckingham Anthem HealthKeepers Silver X 5000 257.15 328.64
Buena Vista City Anthem HealthKeepers Silver X 5000 257.15 328.64
Campbell Anthem HealthKeepers Silver X 5000 263.69 337
Caroline Anthem HealthKeepers Silver X 5000 237.11 303.03
Carroll Anthem HealthKeepers Silver X 5000 257.15 328.64
Charles City Cigna Connect 4500 231.82 296.26
Charlotte Anthem HealthKeepers Silver X 5000 257.15 328.64
Charlottesville City Anthem HealthKeepers Silver X 5000 237.29 303.26
Chesapeake City Anthem HealthKeepers Silver X 5000 264.26 337.72
Chesterfield Aetna Leap Everyday Bon Secours 226.35 289.27
Clarke Innovation Health Leap Silver Basic 231.22 295.5
Colonial Heights City Cigna Connect 4500 231.82 296.26
Covington City Anthem HealthKeepers Silver X 5000 257.15 328.64
Craig Anthem HealthKeepers Silver X 5000 271.21 346.61
Culpeper Anthem HealthKeepers Silver X 5000 257.15 328.64
Cumberland Anthem HealthKeepers Silver X 5000 237.11 303.03
Danville City Anthem HealthKeepers Silver X 5000 258.68 330.59
Dickenson Anthem HealthKeepers Silver X 5000 257.15 328.64
Dinwiddie Cigna Connect 4500 231.82 296.26
Emporia City Anthem HealthKeepers Silver X 5000 257.15 328.64
Essex Anthem HealthKeepers Silver X 5000 257.15 328.64
Fairfax Innovation Health Leap Silver Basic 231.22 295.5
Fairfax City Innovation Health Leap Silver Basic 231.22 295.5
Falls Church City Innovation Health Leap Silver Basic 231.22 295.5
Fauquier Innovation Health Leap Silver Basic 231.22 295.5
Floyd Anthem HealthKeepers Silver X 5000 257.15 328.64
Fluvanna Anthem HealthKeepers Silver X 5000 237.29 303.26
Franklin Anthem HealthKeepers Silver X 5000 271.21 346.61
Franklin City Anthem HealthKeepers Silver X 5000 257.15 328.64
Frederick Innovation Health Leap Silver Basic 231.22 295.5
Fredericksburg City Innovation Health Leap Silver Basic 231.22 295.5
Galax City Anthem HealthKeepers Silver X 5000 257.15 328.64
Giles Anthem HealthKeepers Silver X 5000 278.18 355.51
Gloucester Aetna Leap Everyday Coastal VA HP 262.79 335.85
Goochland Aetna Leap Everyday Bon Secours 226.35 289.27
Grayson Anthem HealthKeepers Silver X 5000 257.15 328.64
Greene Anthem HealthKeepers Silver X 5000 237.29 303.26
Greensville Anthem HealthKeepers Silver X 5000 257.15 328.64
Halifax Anthem HealthKeepers Silver X 5000 257.15 328.64
Hampton City Aetna Leap Everyday Coastal VA HP 262.79 335.85
Hanover Aetna Leap Everyday Bon Secours 226.35 289.27
Harrisonburg City Anthem HealthKeepers Silver X 5000 260.57 333.01
Henrico Aetna Leap Everyday Bon Secours 226.35 289.27
Henry Anthem HealthKeepers Silver X 5000 257.15 328.64
Highland Anthem HealthKeepers Silver X 5000 257.15 328.64
Hopewell City Cigna Connect 4500 231.82 296.26
Isle Of Wight Aetna Leap Everyday Coastal VA HP 262.79 335.85
James City Aetna Leap Everyday Coastal VA HP 262.79 335.85
King And Queen Anthem HealthKeepers Silver X 5000 237.11 303.03
King George Anthem HealthKeepers Silver X 5000 257.15 328.64
King William Anthem HealthKeepers Silver X 5000 237.11 303.03
Lancaster Anthem HealthKeepers Silver X 5000 257.15 328.64
Lee Anthem HealthKeepers Silver X 5000 257.15 328.64
Lexington City Anthem HealthKeepers Silver X 5000 257.15 328.64
Loudoun Innovation Health Leap Silver Basic 231.22 295.5
Louisa Anthem HealthKeepers Silver X 5000 237.11 303.03
Lunenburg Anthem HealthKeepers Silver X 5000 257.15 328.64
Lynchburg City Anthem HealthKeepers Silver X 5000 263.69 337
Madison Anthem HealthKeepers Silver X 5000 257.15 328.64
Manassas City Innovation Health Leap Silver Basic 231.22 295.5
Manassas Park City Innovation Health Leap Silver Basic 231.22 295.5
Martinsville City Anthem HealthKeepers Silver X 5000 257.15 328.64
Mathews Aetna Leap Everyday Coastal VA HP 262.79 335.85
Mecklenburg Anthem HealthKeepers Silver X 5000 257.15 328.64
Middlesex Anthem HealthKeepers Silver X 5000 257.15 328.64
Montgomery Anthem HealthKeepers Silver X 5000 278.18 355.51
Nelson Anthem HealthKeepers Silver X 5000 237.29 303.26
New Kent Aetna Leap Everyday Bon Secours 226.35 289.27
Newport News City Aetna Leap Everyday Coastal VA HP 262.79 335.85
Norfolk City Anthem HealthKeepers Silver X 5000 264.26 337.72
Northampton Anthem HealthKeepers Silver X 5000 257.15 328.64
Northumberland Anthem HealthKeepers Silver X 5000 257.15 328.64
Norton City Anthem HealthKeepers Silver X 5000 257.15 328.64
Nottoway Anthem HealthKeepers Silver X 5000 257.15 328.64
Orange Anthem HealthKeepers Silver X 5000 257.15 328.64
Page Innovation Health Leap Silver Basic 231.22 295.5
Patrick Anthem HealthKeepers Silver X 5000 257.15 328.64
Petersburg City Cigna Connect 4500 231.82 296.26
Pittsylvania Anthem HealthKeepers Silver X 5000 258.68 330.59
Poquoson City Aetna Leap Everyday Coastal VA HP 262.79 335.85
Portsmouth City Anthem HealthKeepers Silver X 5000 264.26 337.72
Powhatan Aetna Leap Everyday Bon Secours 226.35 289.27
Prince Edward Anthem HealthKeepers Silver X 5000 257.15 328.64
Prince George Cigna Connect 4500 231.82 296.26
Prince William Innovation Health Leap Silver Basic 231.22 295.5
Pulaski Anthem HealthKeepers Silver X 5000 278.18 355.51
Radford Anthem HealthKeepers Silver X 5000 278.18 355.51
Rappahannock Anthem HealthKeepers Silver X 5000 257.15 328.64
Richmond Anthem HealthKeepers Silver X 5000 257.15 328.64
Richmond City Aetna Leap Everyday Bon Secours 226.35 289.27
Roanoke Anthem HealthKeepers Silver X 5000 271.21 346.61
Roanoke City Anthem HealthKeepers Silver X 5000 271.21 346.61
Rockbridge Anthem HealthKeepers Silver X 5000 257.15 328.64
Rockingham Anthem HealthKeepers Silver X 5000 260.57 333.01
Russell Anthem HealthKeepers Silver X 5000 257.15 328.64
Salem Anthem HealthKeepers Silver X 5000 271.21 346.61
Scott Anthem HealthKeepers Silver X 5000 257.02 328.47
Shenandoah Innovation Health Leap Silver Basic 231.22 295.5
Smyth Anthem HealthKeepers Silver X 5000 257.15 328.64
Southampton Anthem HealthKeepers Silver X 5000 257.15 328.64
Spotsylvania Innovation Health Leap Silver Basic 231.22 295.5
Stafford Innovation Health Leap Silver Basic 231.22 295.5
Staunton City Anthem HealthKeepers Silver X 5000 257.15 328.64
Suffolk City Anthem HealthKeepers Silver X 5000 264.26 337.72
Surry Anthem HealthKeepers Silver X 5000 264.26 337.72
Sussex Cigna Connect 4500 231.82 296.26
Tazewell Anthem HealthKeepers Silver X 5000 257.15 328.64
Virginia Beach City Anthem HealthKeepers Silver X 5000 264.26 337.72
Warren Innovation Health Leap Silver Basic 231.22 295.5
Washington Anthem HealthKeepers Silver X 5000 257.02 328.47
Waynesboro City Anthem HealthKeepers Silver X 5000 257.15 328.64
Westmoreland Anthem HealthKeepers Silver X 5000 257.15 328.64
Williamsburg City Aetna Leap Everyday Coastal VA HP 262.79 335.85
Winchester City Innovation Health Leap Silver Basic 231.22 295.5
Wise Anthem HealthKeepers Silver X 5000 257.15 328.64
Wythe Anthem HealthKeepers Silver X 5000 257.15 328.64
York Aetna Leap Everyday Coastal VA HP 262.79 335.85

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 160 225 190
Bronze 192 301 237
Silver 226 365 280
Gold 310 443 368
Platinum 404 404 404

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

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