Compare affordable ACA and private health insurance plans in Virginia for 2026 through Virginia's Insurance Marketplace. Top carriers, metro pricing, and a licensed agent — free.
We are not a Virginia state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Virginia recently moved off HealthCare.gov and now runs its own exchange, Virginia's Insurance Marketplace, operated by the State Corporation Commission — so residents enroll through the state. Virginia expanded Medicaid in 2019, which routes lower-income adults to no-cost coverage and starts marketplace subsidies just above that line; a recent open season drew more than 388,000 enrollees.
The 2026 individual market is unusually competitive with eight carriers after Aetna and Innovation Health exited, including CareFirst, Cigna, Anthem's HealthKeepers, Kaiser Permanente, Sentara, Optimum Choice, and Oscar. Geography drives the network choice hard: Northern Virginia is Inova country, Richmond splits among VCU, Bon Secours and HCA, and Hampton Roads is anchored by Sentara.
We're licensed in Virginia and quote its carriers directly. Below is how coverage works here — where Medicaid ends and marketplace subsidies begin — plus the metros and situations we help with most.
Virginia launched its own state exchange, so residents now enroll at Virginia's Insurance Marketplace rather than HealthCare.gov.
Virginia expanded Medicaid in 2019 to adults up to 138% of the poverty line, so lower-income residents may qualify for no-cost coverage while marketplace premium tax credits apply above that threshold.
These companies offer individual and family health plans in Virginia. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No longer. Virginia now runs its own exchange, Virginia's Insurance Marketplace, and residents enroll there. A licensed Virginia agent can enroll you in the same plans at no extra cost.
For 2026 there are eight individual carriers — including CareFirst, Anthem HealthKeepers, Sentara, Kaiser Permanente, Cigna, and Oscar — after Aetna and Innovation Health left. Which is competitive depends on your county and the hospital systems you use, and we compare across all of them.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.