Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance in Virginia 2026
Compare U65 private, ACA, and off-exchange plans in Virginia with a licensed agent. Free multi-carrier quotes in one call.
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Quick Answer: Individual health insurance in Virginia costs $160 to $500/month on a U65 private plan and $240 to $730/month unsubsidized ACA. For healthy Virginia residents above the $60,240 subsidy threshold, U65 private plans are typically 20 to 40 percent cheaper. Call 888-828-5064 for a free comparison.
📊 According to KFF Health Policy, Virginia has a significant individually-insured population outside employer coverage. Virginia has a large government contracting, technology, and defense workforce, particularly in Northern Virginia and the Hampton Roads region. Many workers transition between contractor and employment arrangements, creating strong demand for year-round individual health insurance.
Individual Health Insurance Options in Virginia
| Plan Type | Monthly Cost | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, Optima Health |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Virginia Health Benefit Exchange: Optima, CareFirst BlueCross BlueShield, Molina, Oscar Health |
| Medicaid | Free to low cost | Year-round | Virginia Medicaid |
Virginia operates its own state exchange, VA Insurance Marketplace. Virginia expanded Medicaid in 2019. Adults earning up to 138 percent of the FPL qualify for Virginia Medicaid.
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A licensed HealthPlusLife agent compares all available Virginia plans in one 10-minute call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance Costs in Virginia
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
Virginia Cities and Counties We Serve
HealthPlusLife serves all Virginia counties including Virginia Beach, Norfolk, Chesapeake, Richmond, Newport News, Arlington, Alexandria, Hampton, Roanoke, and Portsmouth and all surrounding communities.
Related State and Individual Plan Guides
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