Virginia ACA Marketplace at a glance
| Virginia | |
|---|---|
| Marketplace | Virginia’s Insurance Marketplace (run by the state since November 2023) |
| Open enrollment (2027 coverage) | November 1, 2026 to January 29, 2027 — source |
| Medicaid expansion | Yes — details |
| State help with premiums or costs | Virginia Premium Savings is a new state program for 2027 plans for households with incomes between 138% and 250% of the federal poverty level. It is applied after the federal tax credit, and details are still being finalized. (source) |
| Enhanced federal tax credits | The enhanced federal premium tax credits expired at the end of 2025 and have not been extended. (KFF, October 2026) |
Facts verified from the sources linked above as of October 2026. Dates and rules can change; confirm on the official Marketplace site before you act.
Help with the cost of coverage in Virginia
Premium tax credits lower your monthly Marketplace premium based on your household income and the cost of local plans. The enhanced federal credits that applied through 2025 have expired, so many households pay more than before. To know your number, run it with your real income. Our subsidy guide explains what happens if your income changes during the year.
Medicaid in Virginia
Virginia has expanded Medicaid. Adults age 19 to 64 with income under 138% of the federal poverty level can qualify. Virginia has said work and community engagement requirements will apply to adults in Medicaid expansion starting January 2027. Whether you qualify depends on your household and income, so we check Medicaid and Marketplace eligibility together before you pick a plan.
Plan choices and networks in Virginia
Marketplace plans come in bronze, silver, gold and platinum levels, and networks differ by insurer and by where you live. Compare the metal tiers, check that your doctors and hospitals are in network, and look at the deductible and out-of-pocket maximum, not just the premium.
Business owners and self-employed in Virginia
If you run a business, you may have better options than the individual Marketplace. See ICHRA (an employer allowance for employees’ individual plans), group health and SHOP, and self-employed health insurance.
ACA help by county in Virginia
Marketplace plans and prices are set by area, so they can differ across Virginia. Here are the 10 largest counties. See all of them in our Virginia directory.
- Fairfax County
- City of Virginia Beach
- Chesterfield County
- Henrico County
- Prince William County
- Loudoun County
- City of Chesapeake
- City of Richmond
- City of Norfolk
- Arlington County
Official Virginia resources
- Virginia’s Insurance Marketplace: the official Virginia Marketplace for 2027 coverage.
- HealthCare.gov: federal Marketplace information.
- Virginia Medicaid: eligibility and how to apply.
- Virginia Bureau of Insurance: Virginia’s insurance regulator, including agent license lookup.
Helpful guides
- ACA open enrollment deadline: can I sign up late?
- Can I keep my ACA subsidy if my income changes?
- Bronze vs. silver vs. gold ACA plans
- HMO vs. PPO vs. EPO
- Deductible vs. out-of-pocket maximum
- How much does health insurance cost without a job?
Let’s check your Virginia options together
We run your income through the subsidy rules and compare plans for your doctors. No cost, no pressure.
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