How to Pick a Health Insurance Plan

Picking a health insurance plan requires a lot of planning and thought, whether you’re choosing a plan through your employer, paying for the plan entirely on your own, or seeking financial help for health insurance on the Marketplace.

Some Virginia cities and counties only have one health insurance company (also called a “carrier” or “provider”) offering health insurance on the Marketplace. Each company will offer more than one health insurance plan for you to choose from. Pick the best plan for you. Be sure to see if your doctor and medicine will be covered by the plan you choose! Remember – pick a Silver Plan, if you want cost-sharing subsidies to lower co-pays or co-insurance costs when you need to use the insurance.

To see what plans are available in your zip code, click here.

Learn everything you need to know about selecting the right plan.

There are a lot of things that must be considered when trying to pick a health insurance plan. The plan that looks the least expensive at first glance might end up costing the most. It’s important that you get all the facts first: how to pick the best plan for you and your family.

Several websites can help you learn more about buying health insurance on the Marketplace:

Other Health Insurance Resources

The following websites have more information about health insurance.

  • Insurance Counseling- Individual insurance counseling assistance is available for adults ages 65 and older through the Virginia Insurance Counseling and Assistance Program (VICAP). VICAP counselors at your local Area Agency on Aging (AAA) can help you resolve Medicaid or Medicare claims or billing problems. They can also help you file for benefits and better understand your health insurance statements and notices. Trained VICAP counselors in communities across Virginia provide free, confidential assistance to people in their area.

To get in touch with a VICAP counselor in your area, contact your local Area Agency on Aging (AAA) or the Virginia Division for the Aging (VDA).

Last Updated on February 2, 2021