Virginia health insurance options

You have more insurance options for your health than you think, Virginia

If you’re self-employed or without insurance from your employer – in other words, you’re looking for individual or family health insurance in Virginia – you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state.

Short term health insurance in Virginia

A temporary medical insurance plan like short term health insurance1 underwritten by Golden Rule Insurance Company may provide:

  • Budget-friendly monthly payments
  • Health care coverage while you search for a long term option

See Virginia short term health insurance options.

Golden Rule Insurance Company: Offering short term insurance for over 30 years

UnitedHealthcare Exchange plans in Virginia

If you're looking for health insurance marketplace plans, UnitedHealthcare Exchange plans offer affordable, reliable coverage options from Optimum Choice, Inc. in Virginia.

Call 1-800-806-0451 / TTY 711 to talk to a representative.

Hospital & doctor insurance

Health ProtectorGuard fixed indemnity insurance,2 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

  • No deductibles or copays to pay first
  • Benefits paid regardless of other insurance
  • Money to pay costs not covered by major medical plans, like a deductible

See Virginia hospital & doctor plan options.

Average Virginia hospital expense per inpatient day is $1,959.

Accident insurance

Accidental injuries happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance2 can help by paying cash benefits for covered injuries.

See accident insurance options.

57% of Americans have less than $1,000 in their savings accounts.

From Richmond to Virginia Beach, Norfolk to Alexandria, explore these Virginia health insurance options and more that may be available now.

Medicare plans

Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

Call 1-844-232-1426 to learn more.

Medicaid plans

We offer low cost or no cost health insurance plans for those with limited incomes.

Footnotes

  1. Short term health insurance is medically underwritten and does not cover preexisting conditions. It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage.
  2. THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage defined by the Affordable Care Act (ACA).
  3. “Hospital Adjusted Expenses per Inpatient Day – 2016.” State Health Facts. Kaiser Family Foundation. Retrieved from Hospital Adjusted Expenses per Inpatient Day
  4. Huddleston, Cameron. “More Than Half of Americans Have Less Than $1,000 in Savings in 2017.” GOBankingRates.com. Sept 12, 2017. Retrieved from Best Savings Accounts of 2020

Product design and availability varies by state. Some benefits have waiting periods.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).