The 2026 benchmark Silver ACA plan in Virginia averages around $482/month before subsidies for a 40-year-old non-smoker. Most VA applicants qualify for premium tax credits that cut that by 40–80%. CoverShield walks you through marketplace, off-exchange, and short-term options.
Average wait: 12 sec · Licensed in VA
Avg Virginia ACA Silver benchmark
$482/mo
Avg Savings After Re-shop
$400–$700/yr
Carriers Licensed in VA
40+
The 2026 ACA Silver benchmark in Virginia runs about $482/month pre-subsidy for a 40-year-old non-smoker. Virginia ranks #12 in US population, and most VA marketplace shoppers earning under 400% FPL qualify for premium tax credits that bring net cost to $0–$200/month. Off-exchange and short-term plans are also available for those who don't qualify for subsidies.
Local underwriting notes
Virginia's 2026 Silver benchmark averages $482/month before subsidies for a 40-year-old non-smoker, close to the 50-state average of $522/mo. The sticker price is rarely the final price because household size, projected income, and county benchmark rules can reduce the net premium to $0–$200/month for many VA shoppers.
Virginia is a major, carrier-dense insurance market, so health-plan availability can change by county even when the insurer name looks familiar. Before choosing the lowest premium, agents verify doctors, hospitals, prescriptions, HSA eligibility, deductible exposure, and whether a Silver plan with cost-sharing reductions beats a cheaper Bronze plan.
ACA marketplace plans are the default when subsidies apply, but off-exchange major medical, short-term medical, hospital indemnity, dental, vision, and Medicare options can fit specific gaps. Virginia residents who lost coverage, moved, changed income, married, divorced, or had a baby may qualify for a Special Enrollment Period instead of waiting for November.
Virginia market notes
Carrier appetite, regulation, and weather exposure that change how health insurance is actually priced in Virginia.
Virginia's Health Insurance Marketplace runs as a state-based exchange (transitioned from HealthCare.gov in 2023). VA expanded Medicaid in 2019. Anthem BCBS Virginia dominates statewide; Sentara/Optima is strong in Hampton Roads; CareFirst is strong in Northern VA; Kaiser serves Northern VA from the DC metro. Benchmark Silver runs ~$482/mo.
Notable VA health insurance carriers
We serve every ZIP in Virginia. Common quote requests come from Virginia Beach, Norfolk, Chesapeake, and Richmond — but rural and small-town VA drivers get the same agent attention.
Virginia — Common Questions
The 2026 Silver benchmark in Virginia is roughly $482/mo for a 40-year-old non-smoker pre-subsidy. With premium tax credits, most VA marketplace shoppers pay $0–$200/mo depending on household income.
Most Virginia households earning 100–400% of the federal poverty level qualify, and the Inflation Reduction Act extended subsidies above 400% through 2026. We calculate your subsidy on the call so you see the real net cost.
Virginia residents who lost coverage, moved, married, had a child, or had certain income changes qualify for a 60-day Special Enrollment Period. We verify eligibility before quoting.
For 65+ Virginia residents, we compare Original Medicare + Supplement (Medigap) plans against Medicare Advantage networks available in your county — and check that your doctors and prescriptions are covered.
Virginia follows the federal HealthCare.gov calendar (or its own state-based exchange for some states): Open Enrollment runs Nov 1 – Jan 15 each year. Outside that window, VA residents need a qualifying life event (job loss, move, marriage, birth) to enroll. We verify SEP eligibility on the call.
No forms, no spam. One call, real VA-licensed agent.
Local health insurance pages for the largest Virginia cities. Rates and minimums vary by ZIP — pick your city for a localized breakdown.
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Avg North Dakota ACA Silver benchmark: $502/mo
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Avg North Carolina ACA Silver benchmark: $545/mo
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Avg Hawaii ACA Silver benchmark: $478/mo
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Avg Indiana ACA Silver benchmark: $458/mo
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Avg Tennessee ACA Silver benchmark: $495/mo
Health Insurance in Wisconsin
Avg Wisconsin ACA Silver benchmark: $540/mo
