Health insurance options in Richmond
Residents of Richmond and Richmond City buy coverage from two markets: Virginia's Insurance Marketplace, with guaranteed-issue plans from Anthem HealthKeepers, CareFirst BlueCross BlueShield, Aetna CVS Health, Kaiser Permanente, Oscar, and UnitedHealthcare priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Richmond have only been shown the first.
What it costs in Richmond
A healthy 40-year-old in Richmond pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Richmond doctors
Marketplace plans in Virginia are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Richmond City and work in every state — we check your specific doctors before you enroll.
The Virginia factor
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. Virginia has no state individual mandate.