2027 Open Enrollment Dates in Virginia
For 2027 coverage, open enrollment runs November 1, 2026 – January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1; sign-ups from December 16 to January 15 start February 1. Virginia runs its own marketplace, Virginia's Insurance Marketplace. These are the standard federal dates; Virginia's Insurance Marketplace sets its own deadlines and some state marketplaces run later, so confirm the exact dates on its site and see 2027 deadlines by state.
| Event | Date |
|---|---|
| Open Enrollment Opens | November 1, 2026 |
| Enroll by for Jan 1 coverage | December 15, 2026 |
| Open Enrollment Closes | January 15, 2027 (coverage starts February 1) |
| Special Enrollment (year-round) | After qualifying life event |
ACA Plans Available in Virginia
These carriers have offered ACA-compliant individual/family plans in Virginia. 2027 participation varies by county — confirm when plans post for open enrollment:
| Carrier | Metal Tiers | Coverage Area |
|---|---|---|
| Anthem | Bronze, Silver, Gold | statewide |
| Optima | Bronze, Silver, Gold | statewide |
| Innovation Health | Bronze, Silver, Gold | statewide |
Premium Estimates by Metal Tier (Monthly, Age 40, Individual)
| Metal Tier | Avg Premium | Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | ~$320–$480 | $7,000+ | Up to the federal limit | Healthy, rarely use care |
| Silver | ~$420–$580 | $3,000–$6,000 | Up to the federal limit | Moderate use; CSR subsidies here |
| Gold | ~$520–$700 | $500–$2,000 | $6,000–$8,700 | Frequent care, prescriptions |
| Platinum | ~$650–$900 | $0–$500 | $4,000–$6,350 | Chronic conditions, high utilizers |
Actual premiums depend on age, ZIP code, tobacco status, and plan selection. Out-of-pocket maximums are capped by a federal limit that is updated every year. Income ranges are for a single adult, based on the 2026 federal poverty guideline ($15,960) used for 2027 coverage. A broker can pull exact quotes in minutes.
ACA Subsidies in Virginia
Premium tax credits reduce your monthly cost. Cost-sharing reductions (CSR) lower your deductible and out-of-pocket max—but only on Silver plans.
| Household Income (% FPL) | Premium Tax Credit | CSR (Silver Only) |
|---|---|---|
| 100–138% (~$16K–$22K) | Largest credits | Maximum CSR (94% actuarial) |
| 139–200% (~$22K–$31.9K) | Large credits | Strong CSR (87% actuarial) |
| 201–250% (~$31.9K–$39.9K) | Moderate credits | CSR (73% actuarial) |
| 251–400% (~$39.9K–$63.8K) | Some credits | None |
| 400%+ ($63.8K+) | None (the cap returned after 2025) | None |
Medicaid in Virginia
Virginia expanded Medicaid under the ACA. Adults earning up to 138% FPL (about $22,025/yr for a single adult in 2026) qualify for Medicaid—you may not need a marketplace plan.