Health insurance in Virginia, 2027
Virginia runs its own marketplace, and for 2027 adds a state savings program on top of the federal tax credit.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Virginia has its own marketplace
Virginia runs its own state marketplace, Virginia’s Insurance Marketplace, at Marketplace.Virginia.gov. You can compare plans and apply for a tax credit there yourself, and we can walk you through your options and the application. For 2026 coverage, 365,787 Virginians picked a Marketplace plan during open enrollment.12
- Marketplace
- Virginia’s Insurance Marketplace
- 2026 plan selections
- 365,787
- Medicaid for adults
- Under 138%
The dates for 2027
Open enrollment for 2027 starts November 1, 2026, and the Marketplace has published January 29, 2027 as the end date. Earlier flyers show other end dates, so we recheck on December 1.3
- November 1, 2026Open enrollment for 2027 starts (key step)
- January 29, 2027Open enrollment ends, as the Marketplace has published it
What to do: The pages we checked give no deadline for a January 1 start. If you want coverage from January 1, choose in December and ask us for the exact cutoff.
Virginia Premium Savings
For 2027, Virginia lawmakers funded a state program that adds savings on top of the federal tax credit. It is for people with household income between 138% and 250% of the poverty level: $22,025 to $39,900 for one person, or $45,540 to $82,500 for a family of four.456
Who qualifies for Premium Savings
You must live in Virginia, enroll in a Marketplace plan (not a catastrophic plan) through Virginia’s Insurance Marketplace, and not be enrolled in or eligible for other minimum essential coverage, such as Medicaid or Medicare. Savings are first come, first served, and eligibility is checked in the regular application.4
Who can get help paying
Virginia expanded Medicaid to adults 19 to 64 with income under 138% of the poverty level, $22,025 for one person. Above that line, a Marketplace tax credit usually takes over, up to 4 times the poverty level.5
Work rules start in 2027
Who it affects: Virginia expansion adults aged 19 to 64.
A federal law passed in 2025 requires adults in the Medicaid expansion group to show 80 hours a month of work, school or community service, or to qualify for an exemption, to get and keep coverage. It starts January 1, 2027, unless the state gets a delay. In Virginia, that group is covered through Virginia Medicaid.
Parents and caretakers of children 13 and under, and people who are medically frail, are among those exempt. People who aren’t eligible for Medicaid because they didn’t meet the rules can’t get Marketplace tax credits.7
What to do: If you get a Medicaid notice, call us before your coverage ends.
Which insurers sell plans
Insurers file their 2027 Virginia plans with the state and with Virginia’s Insurance Marketplace, and the final list appears when open enrollment opens on November 1. Which ones you can choose depends on your county.2
What to do: Send us your ZIP code, your doctors and your prescriptions. We check which plans in your county include them.
Help from a licensed agency
Our agency is licensed in Virginia, and we work with Virginians by phone and video, from our Chicago office. We compare the plans in your county and show you what to keep in mind on each one, at no cost to you.8
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Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.