If you qualify for a subsidy
Virginia's Insurance Marketplace is the most affordable coverage available, full stop. Medicaid is expanded (since 2019) in Virginia.
If you don't
Full-price marketplace plans are the most expensive coverage in Virginia. For healthy people, private PPOs on Cigna, Aetna and PHCS PPO are routinely 30–50% less. Virginia has no state individual mandate.
What's not affordable
Health-sharing ministries and indemnity plans look cheap until you have a claim. Ask for the out-of-pocket maximum; if there isn't one, it isn't insurance.
Virginia runs its own state-based marketplace, Virginia's Insurance Marketplace, and Northern Virginia's contractor and consulting workforce is one of the largest self-employed groups on the East Coast.