Virginia Health Insurance
Virginia residents have a lot of health insurance plans to pick from as well as numerous insurance companies to choose from. The number of health insurance options available means it’s not too hard to find an insurance plan that suits your specific medical needs.
At GoHealthInsurance, you’ll be able to find valuable information to help you in your search. Also, you’ll be able to educate yourself about the state’s insurance rules, regulations, and laws which will help make your hunt for a policy a little easier. Find information about some of the state’s top insurance and facts about financial assistance in Virginia as well as public health insurance programs.
Search health insurance by state here if you don’t live in Virginia.
To get free health insurance quotes fill out the simple form below for Virginia health plans.
Resources on this page
Virginia Health Insurance Stats
Virginia Residents: 7,822,000
Median Annual Household Income: $62,776
Virginia Health Care Expenditures (in millions): $49,427
Households with at least 1 full time worker: 3,914,400
Virginia Health Insurance Coverage based on Total Population (%):
- Employer: 55%
- Individual: 5%
- Medicaid: 9%
- Medicare: 12%
- Uninsured: 14%
Avg. Monthly Virginia Individual Premiums: $240
Total Virginia HMO Enrollment: 1,444,528
As you shop for a Virginia health insurance plan, state law provides you certain protections. Most Virginia health insurance companies will look at your health status before they accept you into coverage and set your premiums.
But there are two Virginia health insurance companies that cannot deny your application and cannot impose permanent exclusion periods they are CareFirst Blue Cross Blue Shield and Anthem Blue Cross Blue Shield. CareFirst operates in Northern Virginia and Anthem operates in the rest of the state.
Residents in Virginia who are HIPAA-eligible also have certain protections under federal and state law. Learn more about HIPAA here.
Virginia health insurance law also requires that all health plans cover certain medical services such as:
- Patient care costs in clinical cancer trials
- Screening for prostate, cervical, colorectal, and breast cancer
- Medical care for pregnant women
- Newborn baby health screenings
- Vaccinations for children
Virginia health insurance companies must also cover mental health conditions equally to physical health conditions.
Once you are accepted for coverage, insurers are not allowed to cancel you coverage simply because you get sick or are injured.
The public Virginia health insurance programs that help low-income residents get health coverage include:
The Medicaid program in Virginia is designed for the lowest earners and disabled residents. To learn more about Virginia Medicaid, visit them online.
- Family Access to Medical Insurance Security (FAMIS)
This program is Virginia's Children's Health Insurance Program and provides health care coverage for children and pregnant women. FAMIS also offers dental care coverage for children through Smiles For Children. To learn more about this Virginia health insurance program, visit their website.
- Every Women's Life
This is Virginia's Breast and Cervical Cancer Early Detection Program, which provides free mammograms and cervical cancer screening for low-income women. Find out more about this women's Virginia health insurance program online.
- Virginia Medicare
Seniors can find Virginia health insurance through Medicare Advantage, Supplement and Original Medicare.
The federal government also provides some financial assistance to Virginia residents. The Federal Health Coverage Tax Credit helps pay up to 60 percent of health plan premiums for trade workers and early retirees. To learn more about this program, visit the IRS online.
Residents in Virginia with pre-existing conditions will have health insurance coverage through the temporary high risk pools established by the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in Virginia will run similar to normal Virginia health insurance policies. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the Virginia PCIP will pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly costs for Virginia residents will be $289 for ages 0 to 34; $347 for ages 35 to 44; $443 for ages 45 to 54; $616 for ages 55 and older. The plan has a $2,500 deductible which must be met before health insurance benefits are covered. There is also a $5,950 out-of-pocket limit for a year.
Those eligible for the Virginia plan will have health insurance coverage for hospital and doctor visits, emergency services, prescription drugs and more.
Individuals may apply for the Virginia PCIP program if they are a United States citizen, have been uninsured for six months and have a medical condition.
For more information on the Virginia health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer Virginia health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Click here to view Aetna Health Insurance in Virginia
Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.
Click here to view AetnaAARP Health Insurance in Virginia
Anthem BCBS provides health coverage for millions Americans across the country. Together with WellPoint, Anthem BCBS continues to focus on providing affordable plans and keeping members healthy.
Click here to view Anthem Blue Cross and Blue Shield of Virginia Health Insurance in Virginia
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Click here to view Assurant Health Health Insurance in Virginia
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Click here to view Celtic Health Insurance in Virginia
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Click here to view Golden Rule Health Insurance in Virginia
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Click here to view Great American Health Insurance in Virginia
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Click here to view Humana Health Insurance in Virginia
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Click here to view John Alden Health Insurance in Virginia
Optima serves more than 415,000 throughout Virginia. Optima's mission is to improve health every day and be the plan of choice for the communities they serve.
Click here to view Optima Health Insurance Company Health Insurance in Virginia
Started in 1978, IAC offers management services to large companies who self-insure.
Click here to view Standard Security Life Health Insurance in Virginia
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Click here to view Time Insurance Health Insurance in Virginia
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Click here to view Time Short Term Health Insurance in Virginia
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Click here to view UnitedHealthOne Health Insurance in Virginia
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Click here to view WorldIns ExpressMed Health Insurance in Virginia
Find the contact information for the Virginia health insurance and health services departments at:
P.O. Box 1157
Richmond, VA 23218
1300 East Main Street
Richmond, Virginia 23219
Phone: (804) 371-9741
P.O. Box 2448
Richmond, Virginia 23218-2448
Phone: (804) 864-7001