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 Smithfield, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Smithfield
Licensed agents can compare plans available in Isle of Wight County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Smithfield, 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
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Cardinal Care. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Smithfield?
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 Smithfield?
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.
Health insurance in nearby cities
- Carrollton, VA 6 miles
- Newport News, VA 10 miles
- Hampton, VA 15 miles
- Portsmouth, VA 17 miles
- Poquoson, VA 18 miles
- Suffolk, VA 19 miles
- Norfolk, VA 21 miles
- Williamsburg, VA 21 miles
- Gloucester Point, VA 22 miles
- Chesapeake, VA 27 miles