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. Keep reading for what's sold in Virginia Beach County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Virginia Beach
Licensed agents can compare plans available in Virginia Beach County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Virginia Beach, 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 Virginia Beach
- Sentara is the main hospital network to check before you pick a plan in Virginia Beach, with Sentara Virginia Beach General Hospital and Sentara Princess Anne Hospital both in the city. Source
- Sentara Virginia Beach General Hospital offers emergency care and behavioral health services in the city. Source
- Virginia Beach is an independent city, and its public health services come from the Virginia Beach Department of Public Health, a local office of the Virginia Department of Health. 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.
Before you call an agent
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
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
How much is health insurance in Virginia Beach?
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.
Where can I buy health insurance in Virginia Beach?
Through the Virginia's Insurance Marketplace, directly from an insurer, or with a licensed agent or broker who can do either.
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.
Health insurance in nearby cities
- Chesapeake, VA 15 miles
- Norfolk, VA 16 miles
- Portsmouth, VA 19 miles
- Hampton, VA 28 miles
- Carrollton, VA 30 miles
- Elizabeth City, NC 32 miles
- Poquoson, VA 33 miles
- Suffolk, VA 33 miles
- Smithfield, VA 36 miles
- Newport News, VA 37 miles