Virginia
Cheapest ACA plans in Arlington County, Virginia for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Arlington County, Virginia has 8 on-exchange carriers offering 83 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Sentara Health Plans Sentara M Bronze 9800 Ded at $348 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Arlington County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Arlington County |
|---|---|---|
| Catastrophic | $209 | 4 |
| Bronze | $348 | 5 |
| Expanded Bronze | $350 | 21 |
| Gold | $435 | 28 |
| Silver | $447 | 24 |
| Platinum | $594 | 1 |
The actual cheapest Bronze plan in Arlington County
Sentara Health Plans Sentara M Bronze 9800 Ded
$348/moFor a family of four (two 40-year-olds and two kids under 14): Sentara Health Plans Sentara M Bronze 9800 Ded at $1,112/month before subsidies.
Carriers selling 2026 plans in Arlington County
8 carriers sell 2026 plans on Virginia's Insurance Marketplace; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 120 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| HealthKeepers, Inc. | 15 |
| Cigna | 14 |
| Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. | 13 |
| Optimum Choice, Inc. | 13 |
| Sentara Health Plans | 12 |
| CareFirst BlueChoice, Inc. | 7 |
| Oscar | 5 |
| GHMSI, Inc. | 4 |
Also selling off-exchange only
These carriers sell plans directly (not through Virginia's Insurance Marketplace). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Anthem Health Plans of VA, Inc. | 4 |
Frequently asked questions
What is the cheapest ACA plan in Arlington County, Virginia for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Sentara Health Plans Sentara M Bronze 9800 Ded at $348 per month before subsidies. Plans sell through Virginia's Insurance Marketplace. Data refreshed 2026-04-19T08:08:55.462Z.
Is Virginia on HealthCare.gov?
No. Since plan year 2024, Virginia runs its own marketplace at marketplace.virginia.gov (Virginia's Insurance Marketplace, VaIM). HealthCare.gov no longer sells Virginia plans. All enrollment and subsidy applications go through VaIM.
Does Virginia charge smokers more for health insurance in 2026?
Mostly no, but one carrier does. For 2026 plans, eight of ten Virginia individual-market carriers charge the same premium regardless of tobacco use. Sentara Health Plans and Sentara Health Insurance Company are the exceptions, applying a tobacco rating factor within the federal 1.5x cap. Starting January 1, 2027, no Virginia carrier will be allowed to charge tobacco users more under HB220 (2026 Acts, Chapter 34).
When can I sign up for 2026 coverage in Virginia?
Open enrollment runs November 1, 2025 through January 30, 2026 (15 days longer than the federal HealthCare.gov window). Enroll by December 31, 2025 for a January 1 effective date, or by January 30, 2026 for a February 1 effective date.
More Virginia pricing
Sources
- Virginia's Insurance Marketplace for SBE enrollment, OEP dates, and PY2026 program updates.
- Code of Virginia § 38.2-3447 (effective January 1, 2026) for the PY2026 1.5x tobacco-rating cap and permitted rating factors.
- HB220 (2026): Chapter 34, effective July 1, 2026 for the statewide tobacco-surcharge prohibition applicable to PY2027 plans onward.
- VA SCC 2026 Rate Request Summaries for carrier-by-carrier PY2026 rate filings and Sentara's unique tobacco factor.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.