How to Enroll in Health Insurance in Virginia 2026

Virginia residents enroll in ACA health insurance through the federal marketplace at HealthCare.gov. Virginia does not have its own state-based marketplace — all ACA plan enrollment runs through the federal exchange.

When Can You Enroll?

• Open Enrollment: November 1 through January 15. Coverage begins January 1 if you enroll by December 15, or February 1 if you enroll between December 16 and January 15.
• Special Enrollment: Available year-round for qualifying life events including losing job-based coverage, moving to Virginia, getting married, or having a baby.

Virginia Medicaid — Covering Virginia

Virginia expanded Medicaid in 2019 under the name Covering Virginia. Adults with incomes up to 138% of the federal poverty level may qualify for free coverage. You can apply through CommonHelp or through HealthCare.gov.

Financial Help in Virginia

Virginia residents who don't qualify for Medicaid may qualify for premium tax credits and cost-sharing reductions through HealthCare.gov. Subsidies are based on household income and available to individuals earning between 100% and 400% of the federal poverty level.

BenZen is licensed in Virginia and serves clients across Richmond, Northern Virginia, Virginia Beach, and statewide. Let's find your Virginia plan.