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Compare Best Health Insurance Companies In Virginia

Virginia offers affordable 2017 health insurance plans from many of the top companies in the US. Individual, family and small business coverage is available throughout the entire calendar year. During Open Enrollment (and Special Enrollment Periods), you may be eligible for large federal subsidies. Current, past and potential future medical questions will not impact the price you pay for a policy, and extra out-of-pocket expenses and waiting periods will not be applied.

Here in the Old Dominion State, there are many top-rated health insurance companies that offer comprehensive benefits at a surprisingly low cost. Whether you need catastrophic, student, HSA, self-employed or temporary coverage, there's a Va carrier that can provide the policy that fits your specific needs. You can keep policies long-term, or terminate coverage at any time. Each year, new companies become available, while occasionally, existing carriers exit the market.

We have listed below the major companies that do business in the state, and a brief description of some of the most competitive on-Marketplace products they offer. Both Obamacare and non-Obamacare plans are offered. Beginning in 2018, President Trump's changes may impact plan availability. Additional plan options will be offered.

 

Aetna

 

Aetna is a 150-year old company and is one of the nation's largest financial institutions. They offer plans in the  Catastrophic, Bronze, and Silver tiers. Because of the nationwide network, you won't have trouble finding a doctor or specialist if you constantly travel out of the area. If you are eligible for Medicare, there are many additional Medigap options that are very popular. Small-business owner plans are also offered, along with many low-cost options for the self-employed.

Aetna acquired Coventry in 2013 and markets their plans under a separate brand name in many states. The move made them the third largest carrier in the US, and expanded their market share in most of the country. However, they currently exited most state Exchanges, and only offer plans in Virginia, Nebraska, Iowa, and Delaware. However, under the Trump Administration, it is expected they will enter additional states in 2018.

We have listed below the available options in each Metal tier:

 

Catastrophic

Leap Catastrophic Bon Secours -- $20 copay for first three pcp office visits. $7,150 deductible with 0% coinsurance.
 

Bronze

Leap Basic Bon Secours -- $7,050 deductible with 0% coinsurance. $5 copay for preferred/non-preferred generic drugs.

 

Silver

Aetna Leap Everyday Bon Secours -- $10 copay on pcp office visits and lab tests. $6,075 deductible with 0% coinsurance. $5 copay for preferred/non-preferred generic drugs.

Aetna Leap Diabetes Bon Secours -- $5 copay on pcp office visits and lab tests. $6,300 deductible with 0% coinsurance. $5 copay for preferred/non-preferred generic drugs.

Aetna Leap Everyday Plus Bon Secours -- $5 copay on pcp office visits and lab tests. $5,050 deductible with 0% coinsurance. $5 copay for preferred/non-preferred generic drugs.

Aetna Leap Healthy Minds Bon Secours -- $5 copay on pcp office visits and lab tests. $5,600 deductible with 0% coinsurance. $5 copay for preferred/non-preferred generic drugs.

 

Virginia BCBS Healthcare Plans

Anthem BCBS Offers Low Rates In Virginia

 

Anthem Blue Cross Blue Shield

 

Anthem  provides coverage for about 30% of the state's residents and has been offering policies in Virginia for more than 50 years. As the nation's fifth-largest healthcare company, like Aetna, the nationwide network allows consumers to utilize thousands of different doctors and facilities.

Group, individual and Medicare-eligible plans are provided in CDHP, PPO and HMO formats. And yes, you can also purchase, life, dental and disability benefits, depending upon the specific policy. The A.M.Best rating is "A," which is considered  "excellent."

Many of the most affordable and popular Anthem plans are listed below. All policies are considered "HealthKeepers" plans:

Catastrophic 7150 -- Cheapest catastrophic plan that features a $40 copay on first three pcp office visits. $7,150 Deductible and 0% coinsurance applies to most other non-preventive expenses. Must be under age 30 or prove financial hardship to apply.

Bronze POS 4500 -- $35 and $65 office visit copays for first five visits. $4,500 deductible with 30% coinsurance. $25 copay for Tier 1 drugs.

Bronze POS 5750 for HSA -- HSA-eligible plan with $5,750 deductible, $6,550 maximum out-of-pocket expenses, and 0% coinsurance.

Bronze 5150 -- $45 pcp office visit copay for first three visits. $5,150 deductible with 35% coinsurance. $25 copay for Tier 1 drugs.

Bronze 5900 -- $40 pcp office visit copay for first two visits. $5,900 deductible with 35% coinsurance. All prescription drugs subject to 35% or 50% coinsurance.

Silver 5000 -- $30 pcp office visit copay, although specialist visits must meet deductible and coinsurance. $5,000 deductible with 25% coinsurance. $10 and $40 copays for Tier 1 and Tier 2 drugs.

Silver 3500 -- $45 pcp office visit copay, although specialist visits must meet deductible and coinsurance. $3,500 deductible with 15% coinsurance. $20 and $50 copays for Tier 1 and Tier 2 drugs.

Gold 1300 -- $20 and $50 office visit copays, although Urgent Care subject to 20% coinsurance. $1,300 deductible with 20% coinsurance. $15 and $40 copays for Tier 1 and Tier 2 drugs.

 

CareFirst BlueCross BlueShield

 

CareFirst  is a non-profit company that provides coverage in Northern Virginia, along with Maryland and the District of Columbia. With more than 3 million subscribers, its the largest carrier in the region. Most importantly, its  provider list of physicians, hospitals and facilities is extremely extensive, with about four out of five providers an active participant in one of the available networks. Alexandria and Fairfax are two of the largest cities included in the network. No referrals are needed, and up to $150 in Blue Rewards incentives can be applied towards deductibles and copays.

In addition to being voted "One Of The World's Most Ethical Companies" in 2013  and 2014, they are a very customer-oriented carrier that heavily contributes to the local community. CareFirst is also quite active in the Federal Employees Health Program (FEP).

Recently, they have contributed more than $1 million to increase access to behavioral medical treatment in rural and urban ares of Washington D.C. and Maryland. Also, the Centers for Medicare and Medicaid (CMS) gave $24 million to CareFirst to serve Medicare policyholders in Maryland. International coverage is also available in more than 200 countries.

Listed below are several of their most popular and affordable plans for 2017:

BlueChoice HMO HSA Silver $1,500 -- HSA-eligible plan with $1,500 deductible and $6,550 maximum out-of-pocket expenses. Office visit copays of $30 and $40 AFTER deductible has been met.

BluePreferred PPO HSA Silver $2,000 -- HSA-eligible plan with $2,000 deductible and $6,550 maximum out-of-pocket expenses. Office visit copays of $30 and $40 AFTER deductible has been met. Similar to previous plan, although a PPO network is utilized instead of an HMO network.

HealthyBlue PPO Gold $1,000 -- $0 and $30 office visit copays. Deductible is $1,000 with $4,500 maximum out-of-pocket expenses. A nearly-identical HMO option is also offered.

BlueChoice Plus Silver $2,500 -- $30 and $40 office visit copays. Deductible is $2,500 with $6,850 maximum out-of-pocket expenses.

BlueChoice HMO Silver $3,500 -- $0 and $50 office visit copays. Deductible is $3,500 with $6,850 maximum out-of-pocket expenses.

 

VA Marketplace Plans Innovation Health

Virginia Innovation Health Offers Low-Cost Medical Coverage

 

Innovation Health

 

Offering products to employers with two or more workers, Innovation Health is actually the partnership of Aetna and Inova. Created in 2012, plans for small companies have been offered in Northern Virginia since 2013. A limited portfolio is also offered to individuals and families through the Marketplace. Additional information can be found on the Va Department of Insurance website.

Some of the cities located within the network area include Arlington, Fairfax, Falls Church, Fredericksburg, Loudoun, Manassas, Prince William and Stafford. "Cheaper prices and higher customer satisfaction" will be emphasized, according to an Inova source. Holistic treatment, wellness programs, supportive and coaching services, cost control, and managing chronic diseases are expected to be at the forefront of INOVA's vision.

Listed below are several of Innovation's most popular and affordable plan options:

Health Leap Catastrophic -- First three pcp office visits subject to $20 copay only. $7,150 deductible with 0% coinsurance.

Health Leap Bronze -- $7,050 deductible with 0% coinsurance. $5 copay on preferred and non-preferred generic drugs.

Health Leap Silver Basic -- $10 pcp office visit and Urgent Care copays, although specialist visits must meet deductible. $6,075 deductible with 0% coinsurance. $5 copay on preferred and non-preferred generic drugs.

Health Leap Silver Plus -- $5 pcp office visit copay, although specialist visits must meet deductible. Urgent Care copay is also only $5. $5,050 deductible with 0% coinsurance. $5 copay on preferred and non-preferred generic drugs.

Health Leap Gold Diabetes -- $5 pcp office visit and $100 specialist copays. Urgent Care copay is also only $5. $2,835 deductible with $6,000 maximum out-of-pocket expenses. $5 copay on preferred and non-preferred generic drugs and $50 copay for preferred brand drugs..

 

List  Of Virginia Health Insurance Companies

Affordable Kaiser Health Plans Are Available

 

Kaiser Permanente

 

Kaiser is one of the larger healthcare companies, and offers plans in California, Hawaii, Colorado, Georgia, Washington, Oregon, Virginia, Maryland, and Washington, D.C. J.D. Power, a trusted rating resource, has consistently awarded Kaiser with a "Highest Member Satisfaction Among Commercial Health Plans In the Mid-Atlantic Region" designation. VA cities and counties that Kaiser services include Alexandria City, Arlington, Caroline Culpepper, Fairfax City, Fairfax, Falls Church City, Fauquier, Fredericksburg City, Hanover, King George, Louisa, Loudoun, Manassas City, Manassas Park City, Orange, Prince William, Spotsylvania, Stafford, and Westmoreland.

 

Listed below are several popular and affordable plan options:

 

KP VA Catastrophic 7150/0/Dental/PedDental -- First three pcp office visits covered at 100%. $7,150 Deductible and 0% coinsurance applies to most other non-preventive expenses.

KP VA Bronze 6500/50/Dental/PedDental -- $50 pcp office visit copay for first two visits. Deductible is $6,500 with maximum out-of-pocket expenses and 40% coinsurance. All prescription drugs subject to coinsurance and deductible.

KP VA Bronze 6200/20%/HSA/Dental/PedDental -- HSA-eligible plan with $6,200 deductible and $6,550 maximum out-of-pocket expenses and 20% coinsurance.

KP VA Silver 6300/30/Dental/PedDental -- $30 and $50 office visit copays with $50 Urgent Care copay. Deductible is $6,000 with maximum out-of-pocket expenses of $7,150 and 30% coinsurance. Generic and preferred brand drugs have $15 and $55 copays. Other drugs are subject to 30% coinsurance.

KP VA Silver 2800/30/Dental/PedDental -- Nearly identical to previous plan, except deductible is $2,800 instead of $6,000.

KP VA Gold 1000/20/Dental/PedDental -- $20 and $40 office visit copays with $40 Urgent Care copay. Deductible is $1,000 with maximum out-of-pocket expenses of $6,350 and 20% coinsurance. Generic and preferred brand drugs have $10 and $30 copays. Other drugs are subject to 20% or 30% coinsurance.

 

Optima Health

 

Optima provides coverage for more than 400,000 persons in the state, and features a provider network with more than 15,000 doctors, hospitals and other facilities. With four locations in Virginia Beach, Newport News, Richmond, and Roanoke, they provide service throughout the entire area for single, family, business, Medicare and Medicaid plans. HMO, PPO, Medicaid HMO, Medicare Advantage, and FAMIS coverage is offered.

Several Exchange plans are available for consumers that are subsidized contracts (eligible for the federal subsidy). There are also many policies offered "off-Exchange," which are not eligible for government financial aid.  A brief synopsis of popular options are listed below:

 

OptimaFit Bronze 7150 -- $25 pcp office visit copay for first three visits. $7,150 deductible.

OptimaFit Bronze 6850 30 -- $6,850 deductible. $15 and $45 copays for Tier 1 and Tier 2 drugs.

OptimaFit Bronze 6000 HSA -- HSA-eligible plan with $6,000 deductible and 10% coinsurance.

OptimaFit Bronze 5000 HSA -- HSA-eligible plan with $5,000 deductible and 30% and 50% coinsurance.

OptimaFit Silver 4000 20% -- $25 and $50 office visit copays. $4,000 deductible and 20% coinsurance. All drugs must meet deductible.

OptimaFit Silver 3000 25 -- $25 pcp office visit copay for first three visits. $3,000 deductible and 30% coinsurance. $15 Tier 1 drug copay.

OptimaFit Gold 1400 -- $30 pcp office visit copay. $1,400 deductible and 20% coinsurance. $15 Tier 1 drug copay.

OptimaFit Gold 600 -- $25 and $50 office visit copays (pcp and specialist). $600 deductible and 20% coinsurance. $15 Tier 1 drug copay.

 

Piedmont Community Healthcare

 

Piedmont is a managed healthcare organization that services Central Va. The local network is very large and utilizes the Centra Health system for physicians, hospitals, and additional facilities. The primary service area includes the following counties: Prince Edward, Nottoway, Lunenburg, Cumberland, Campbell, Buckingham, Bedford, Appomattox, Amherst, and Albemarle.
 

Partial coverage is provided in the counties of Pittsylvania, Nelson, Mecklenburg, Halifax, and Charlotte. Lynchburg and Bedford (cities) are also "in-network." PPO and POS plans are available through several funding options, including self-insurance. HMO options are also offered at a lower cost, but with a more restrictive network. The home office is located in Lynchburg.

 

Some of Piedmont's most affordable and popular plans are:

Catastrophic 7150 -- $40 copay for first three pcp office visits. $7,150 deductible with 0% coinsurance. Must be under age 30 to apply.

Bronze 5250 -- $45 copay for first three pcp office visits. $5,250 deductible with 40% coinsurance.

Bronze HSA 5000 -- HSA-eligble plan. $5,000 deductible with 30% coinsurance.

Silver Preferred 3800/40/65 -- $40 and $60 office visit copays. Urgent Care copay is $65. $3,800 deductible and 20% coinsurance. Generic and preferred brand drug copays are $15 and $45.

Silver Standard 3500/30/65 -- $30 and $65 office visit copays. Urgent Care copay is $75. $3,500 deductible and 20% coinsurance. Generic and preferred brand drug copays are $15 and $50. Non-preferred brand drug copay is $100.

Gold Preferred 950/30/50 -- $30 and $50 office visit copays. Urgent Care copay is $50. $950 deductible and 20% coinsurance. Generic and preferred brand drug copays are $15 and $40.

About the author

Edward Harris

Virginia's Premier Trusted Healthcare Authority With More Than 35 Years Of Experience Helping Consumers.