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. Below you'll find how coverage works in Richmond, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Richmond
Licensed agents can compare plans available in Richmond County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Richmond, 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.
Local health care in Richmond
- Networks worth checking before you pick a plan in Richmond are VCU Health (VCU Medical Center), Bon Secours (St. Mary's Hospital and Richmond Community Hospital) and HCA Virginia (including Johnston-Willis, Henrico Doctors', Retreat Doctors' and Parham Doctors' hospitals). Source
- VCU Health is the academic health system tied to Virginia Commonwealth University in downtown Richmond. Source
- HCA Virginia operates several community hospitals in the Richmond area, such as Henrico Doctors' Hospital. Source
- Richmond is an independent city served by the Richmond City Health Department (part of the Virginia Department of Health), which offers clinical, immunization and STI/HIV services. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
How to get ready
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
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 Richmond?
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 Richmond?
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
- Manchester, VA 4 miles
- Bon Air, VA 5 miles
- Montrose, VA 5 miles
- Lakeside, VA 6 miles
- East Highland Park, VA 6 miles
- Bensley, VA 6 miles
- Dumbarton, VA 6 miles
- Meadowbrook, VA 7 miles
- Rockwood, VA 7 miles
- Tuckahoe, VA 7 miles