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Affordable Health Insurance in Richmond, VA

Find health insurance plans in Richmond starting at approximately $455/month. Compare 70+ plans from 3 carriers in Richmond City County.

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Health Insurance in Richmond, Virginia

If you live in the Richmond area, your health insurance options are determined by Richmond City County marketplace data. For 2026, the benchmark silver plan premium for a 40-year-old in your county averages $455 per month before any premium tax credits are applied. With 70+ plans available from 3 carriers, comparing your options is essential to finding the right balance of cost and coverage.

Richmond has a population of approximately 230,000 and is home to major employers including VCU Health System, Capital One, Dominion Energy. Whether you work for a large employer, run your own business, or are between jobs, a licensed health insurance broker can help you navigate the Richmond market at no additional cost.

Available Health Insurance Carriers

Anthem
Optima
CareFirst

Based on Richmond City County 2026 marketplace data.

Coverage Quick Facts

Benchmark Premium

$455/mo

Plans Available

70+

County

Richmond City

Carriers

3 carriers

Explore all health insurance options in Virginia, compare plan types including HMO, PPO, and HDHP, or learn about supplemental dental and vision coverage to complement your major medical plan.

Compare Plans in Richmond

A licensed advisor can walk you through plans in Richmond City County — free, no obligation.

Call 866-981-8620

Richmond Health Insurance FAQ

What health insurance companies are in Richmond, VA?

Health insurance carriers serving Richmond in Richmond City County for 2026 include Anthem, Optima, CareFirst. Plan availability and pricing vary by county, so the specific plans you can access depend on your ZIP code within the Richmond area.

How much is health insurance in Richmond?

The 2026 benchmark silver plan premium in Richmond City County averages approximately $455/month for a 40-year-old before premium tax credits. Your actual cost depends on your age, income, household size, and chosen metal tier. A licensed broker can help you find the most affordable option.

Can I get health insurance in Richmond outside of open enrollment?

Yes, if you qualify for a Special Enrollment Period through a qualifying life event — losing employer coverage, getting married, having a baby, or moving to Richmond. Short-term health plans are also available year-round in most areas as temporary coverage.

How do I enroll in health insurance in Richmond?

You can enroll through the health insurance marketplace or by calling a licensed broker at 866-981-8620. A broker compares all available plans in Richmond City County at no extra cost to you, helping you find the right coverage for your budget.

Looking for health insurance in Richmond? Talk to a licensed advisor today.

Call 866-981-8620

affordablehealthcareplans.net is operated by Prodest Insurance Group. Jeremy Irons (NPN: 20969524) is a licensed health insurance broker licensed in NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. This site is not affiliated with HealthCare.gov, the federal Health Insurance Marketplace, or any government agency. We do not offer Medicaid, Medicare, or CHIP enrollment. Insurance products and availability vary by state. Not all products available in all areas. By calling or submitting a quote request, you consent to be contacted by a licensed insurance agent.