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Already a member? Log in to your account to renew your plan or compare options.
Ready to pick up where you left off? Complete your application.
Which Anthem Virginia ACA Marketplace Plan is Best for You?
Choosing the right ACA Marketplace plan means comparing costs, coverage, and benefits. To help you get started, here are a few highlights included with Anthem Individual and Family plans. You'll find more details about plan benefits further below.
You could qualify for financial help to lower the cost of your health insurance plan.‡
Compare ACA Health Plan Options in Virginia
ACA Marketplace health insurance plans are available in four metal levels: Bronze, Silver, Gold, and Platinum. The metal level doesn't reflect the quality of care you receive. Instead, it helps you compare how you and your plan share the cost of covered healthcare services. The comparison below focuses on Bronze, Silver, and Gold plans, which are the primary Anthem offerings in most markets.
![Bronze Plans Icon]()
Bronze Plans
Bronze Plans
- Lower monthly premium
- Pay more when you get care
- Best if you expect to use healthcare occasionally
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Silver Plans
Silver Plans
- Moderate monthly premium, but more coverage for care
- Best for average healthcare needs
- Cost-sharing reductions available for those who qualify
![Bronze Plans Icon]()
Gold Plans
Gold Plans
- Higher monthly premium
- Pay less when you get care
- Best if you expect to use healthcare often
Benefits of Anthem ACA Marketplace Health Plans
Our Virginia ACA Marketplace health plans are designed to fit a range of healthcare needs and budgets. With flexible coverage options, access to quality care, and tools to help you manage your health, you can choose the plan that's right for you.
Access to Quality Care
Enjoy access to a network of quality doctors, specialists, and hospitals. You can also choose a video visit with a doctor or mental health professional using your smartphone, tablet, or computer.
Pharmacy Coverage
Prescription drug coverage, with many commonly prescribed drugs as low as $0.¶ Your cost for other medicines depends on the drug's coverage tier.
Learn more about pharmacy coverage.
$0 Preventive Care
Support your health with no-cost annual physicals, screenings, and recommended vaccines when you use in-network providers.§
$0 Virtual Care, 24/7
Using the Sydney® Health app, you can talk to a board-certified doctor from the comfort of your home or on the go. The doctor can give you expert medical advice, diagnose common health conditions, and send prescriptions right to your pharmacy. Many plans offer online doctor visits using the Sydney Health app at no cost to you.†
Learn more about virtual care.
Earn Rewards for Healthy Habits
Earn rewards through our Smart Rewards program by completing eligible wellness activities, such as your annual physical and health risk assessment. Redeem your rewards for digital gift cards from a selection of retailers.⌘
Understanding the Affordable Care Act
The Affordable Care Act (ACA) offers financial help, also called a health insurance subsidy, to eligible individuals and families based on income. Watch this video to learn how financial help works and whether you may qualify when enrolling in an ACA health plan.
What is the Difference Between On- and Off-Exchange Plans?
On-exchange
health insurance plans are available through healthcare.gov or your state's health insurance marketplace. Financial help is available only when you enroll in an on-exchange plan.
Off-exchange
health insurance plans include the same essential health benefits as on-exchange plans, but are purchased directly through Anthem instead of the marketplace. These plans are not eligible for financial help.
How Do ACA Marketplace Health Plans Cover Medical Expenses?
When comparing ACA health plans, it's important to consider your total costs — not just your monthly plan premium. Your deductible, copays, coinsurance, and out-of-pocket maximum all affect what you may pay for covered medical care during the plan year. Depending on how often you expect to use healthcare services, a plan with a higher premium may result in lower overall costs, while a lower-premium plan may cost more when you receive care.
The deductible is the amount you pay out-of-pocket each year before your plan begins to cover care costs.
A copay is a fixed amount you pay for certain covered healthcare services, such as a visit to the doctor. Copays typically do not count toward your deductible.
Coinsurance is the percentage of care costs you’re responsible for after meeting your plan deductible.
The out-of-pocket maximum is the most you'll pay for covered, in-network services in a year. After reaching this limit, your plan covers 100% of eligible costs.
Learn More About ACA Marketplace Health Insurance
Explore our articles to learn about the ACA Marketplace, who may qualify for financial help, how to enroll, and your coverage options.
Get A Virginia Health Insurance Quote
Ready to take the next step? Get a personalized quote for health coverage. Our Health Plan Consultants can answer your questions and help you choose the plan that's right for you.
Frequently Asked Questions
Choosing the right health insurance plan for you and your family is important. Get answers to common questions about costs, enrollment, and other key topics so you can confidently choose an Individual and Family plan.
Anthem Individual and Family Plans in Your State
If your state isn’t listed, visit www.bcbs.com for other coverage options.
† Virtual care visits, including video visits using the Sydney Health app are at no cost to members for most plans (however, it may be subject to the deductible depending upon the terms of the plan). Virtual care visits refer to video consultations, as deemed appropriate by a licensed physician. In addition to using a telehealth service, you can receive in-person or virtual care from your own doctor or another healthcare provider in your plan’s network. If you receive care from a doctor or healthcare provider not in your plan’s network, your share of the costs may be higher. You may also receive a bill for any charges not covered by your health plan. Sydney Health is offered through an arrangement with Carelon Digital Platforms, a separate company offering mobile application services on behalf of your health plan.
§ Nationally recommended preventive care services received in-network have no copay and no deductible requirement.
¶ Some commonly-used prescription drugs are available at no cost to you. Contact us for more information.
‡ Subsidies are only available for Qualified Health Plans purchased through the Health Insurance Marketplace and State-Based exchanges. HealthKeepers, Inc. offers such plans through the Virginia Insurance Marketplace.
⌘ You and your covered spouse or partner can earn rewards for completing health and wellness activities. It’s important to act now and have an annual preventive wellness exam or well-woman exam with your doctor. If you live in California, Colorado, Georgia, Indiana, Kentucky, Maine, Missouri, New Hampshire, Nevada, New York, Ohio, Virginia, or Wisconsin, you must complete these activities within 120 days of your plan’s renewal or effective date. Connecticut residents must do so within their plan year.