Virginia Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Virginia for 2026, and where to buy them.
The Virginia individual market in 2026
Nine carriers sell individual health plans on Virginia's Insurance Marketplace for 2026, with the most choice in Northern Virginia and the Richmond area. Average pre-subsidy rates rose about 21.6% for 2026, and Cigna is leaving after 2026, leaving seven carriers on the State Corporation Commission's 2027 rate list.
Insurers selling individual plans in Virginia
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| HealthKeepers, Inc. (Anthem) | Yes | Filed rates for every metro area in Virginia and expected the largest individual enrollment of any carrier for 2027; Anthem Health Plans of Virginia also sells off-Marketplace plans. |
| Sentara Health Plans | Yes | Filed individual plans for every metro area in the state, with a large projected enrollment for 2027. |
| CareFirst BlueChoice, Inc. | Yes | A CareFirst company that sells individual plans in the Northern Virginia (Washington metro) area. |
| Group Hospitalization and Medical Services, Inc. (CareFirst) | Yes | A second CareFirst company selling individual plans in Northern Virginia. |
| Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. | Yes | Kaiser's HMO-style plans are filed for the Richmond and Northern Virginia areas and some non-metro counties. |
| Optimum Choice, Inc. (UnitedHealthcare) | Yes | Filed for several regions, including Richmond, Northern Virginia, Bristol and Winchester. |
| Oscar Insurance Company | Yes | Filed for the Charlottesville, Richmond and Northern Virginia areas and some non-metro counties. |
| Cigna Health and Life Insurance Company | Yes | Sells 2026 Marketplace plans but is leaving the Virginia Marketplace at the end of 2026, so Cigna members need a new plan for 2027. |
| Educators Health (EMI) | Yes | Listed by the Marketplace as a 2026 individual carrier. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Virginia questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
The Marketplace lists CareFirst BlueChoice, Cigna, Educators Health (EMI), Group Hospitalization and Medical Services (CareFirst), HealthKeepers (Anthem), Kaiser Permanente Mid-Atlantic, Optimum Choice, Oscar and Sentara Health Plans. Choices vary by region.
Cigna is leaving the Virginia Marketplace at the end of 2026 and is not on the 2027 rate list. You will need to pick a new plan during open enrollment, November 1, 2026 to January 29, 2027.
The State Corporation Commission approved 2027 average rate changes ranging from 3.9% to 22.7% depending on the carrier, and healthinsurance.org reports a weighted average of 15.8%. Your own cost after tax credits and state savings may be very different.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- Virginia's Insurance Marketplace: 2026 Carriers Offering Plans
- SCC news release: Preview 2027 Plans Available Through Virginia's Insurance Marketplace (Oct. 1, 2026)
- SCC Bureau of Insurance: 2027 and 2026 ACA Individual Market Rate Summary
- healthinsurance.org: Virginia health insurance Marketplace guide
