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 Laws and Regulations

Public Health Insurance Programs for Virginia Residents

Virginia Health Insurance High Risk Pools

Virginia Health Insurance Companies

Contact Info for the Virginia Bureau of Insurance and Department of Health Services

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. Annual Employee Premium in Virginia employer-sponsored plan (after employer contrib.): $1,081
Avg. Monthly Virginia Individual Premiums: $240
Total Virginia HMO Enrollment: 1,444,528

Virginia Health Insurance Laws and Regulations

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.

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Virginia Public Health Insurance Programs

The public Virginia health insurance programs that help low-income residents get health coverage include:

• Medicaid
  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.

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Virginia Health Insurance High Risk Pool

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.

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The following list of companies offer Virginia health insurance plans:

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Virginia Bureau of Insurance and Department of Health Services

Find the contact information for the Virginia health insurance and health services departments at:

Go to Top of the Virginia Health Insurance Page