Before subsidies, the average benchmark silver plan for a 40-year-old in Virginia costs $549 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. The rest of this page covers your coverage options in Charlottesville, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Charlottesville
Licensed agents can compare plans available in Charlottesville County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Charlottesville, VA
| Where to enroll | Virginia's Insurance Marketplace |
|---|---|
| Average benchmark silver, age 40 (2027) | $549/mo before subsidies |
| Marketplace insurers in Virginia (2027) | 6 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Virginia
Virginia's Insurance Marketplace Navigators and Virginia Assisters (nonprofit staff trained by the Marketplace and registered with the Bureau of Insurance) help consumers apply and enroll at no cost; they can't recommend a specific plan. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Where can I buy health insurance in Charlottesville?
Through the Virginia's Insurance Marketplace, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Charlottesville?
Before subsidies, the average benchmark silver plan for a 40-year-old in Virginia costs $549 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. A licensed agent can quote your exact price.
Which insurers sell marketplace plans in Virginia?
For 2027, marketplace plans in Virginia come from 6 insurers: Anthem (HealthKeepers / Anthem Health Plans), CareFirst BlueCross BlueShield (BlueChoice / GHMSI), Kaiser Permanente, UnitedHealthcare (Optimum Choice), Oscar Health and Sentara Health Plans. Not every insurer sells in every county.
Health insurance in nearby cities
- University of Virginia, VA 2 miles
- Hollymead, VA 7 miles
- Crozet, VA 12 miles
- Lake Monticello, VA 12 miles
- Waynesboro, VA 23 miles
- Orange, VA 25 miles
- Fishersville, VA 27 miles
- Stuarts Draft, VA 30 miles
- Massanetta Springs, VA 31 miles
- Staunton, VA 32 miles