Virginia
Cheapest ACA plans in Dumfries, Virginia for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Dumfries is in Prince William County, Virginia. 8 carriers sell 2026 ACA plans on Virginia's Insurance Marketplace for residents of Prince William County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $348/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Prince William County, including Dumfries.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Dumfries (Prince William 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 Prince William County |
|---|---|---|
| Catastrophic | $209 | 3 |
| Bronze | $348 | 5 |
| Expanded Bronze | $350 | 20 |
| Gold | $435 | 27 |
| Silver | $447 | 23 |
| Platinum | $594 | 1 |
The actual cheapest Bronze plan in Dumfries
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 Dumfries
8 carriers sell 2026 plans on Virginia's Insurance Marketplace for Prince William County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 116 plans total in Prince William 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 |
| GHMSI, Inc. | 4 |
| Oscar | 1 |
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 |
What you'll actually pay in Dumfries
Estimated monthly net premium for the cheapest Bronze plan above ($348/mo before subsidy) on Virginia's Insurance Marketplace, after federal APTC. APTC is computed against the Prince William Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $354/mo | $0/mo |
| $40,000 | 256% | $164/mo | $184/mo |
| $60,000 | 383% | $0/mo | $348/mo |
| $100,000 | 639% | — | $348/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $881/mo | $231/mo |
| $130,000 | 404% | — | $1,112/mo |
| $200,000 | 622% | — | $1,112/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Dumfries, 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. Dumfries is in Prince William County, Virginia; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Dumfries's 2026 ACA pricing compare to other Virginia cities?
Cheapest Bronze for a 40-year-old in Dumfries is $348 per month before subsidies. For comparison: Virginia Beach at $347/mo; Norfolk at $347/mo; Richmond at $339/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide Virginia pricing and metal tiers
- Virginia Beach pricingcheapest Bronze $347/mo
- Norfolk pricingcheapest Bronze $347/mo
- Richmond pricingcheapest Bronze $339/mo
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. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.