Private PPO Health Insurance
in Virginia

Virginia is one of the few states in this comparison that walked away from HealthCare.gov entirely, building its own exchange instead. That's a real structural difference — and it's exactly the kind of thing worth understanding before you assume a marketplace plan is your only path to coverage in Virginia.

What We Actually Sell

Castro Coverage specializes in private PPO health insurance: broad nationwide networks, not a narrow local HMO panel, with rates based on your own health profile rather than a flat community rate. For healthy Virginians, that's often a more competitively priced, more flexible option than a plan sourced through the state exchange.

• Nationwide PPO networks with far more provider choice than a narrow marketplace HMO
• Rates priced on a preferred-health basis — the pricing model rewards healthy applicants specifically
• Low-to-$0 deductible structures available on select plans (plan-specific, always confirmed before you enroll)
• Many plans include telehealth access alongside in-person care

Virginia's Marketplace Landscape in 2026

Virginia's Insurance Marketplace is the Commonwealth's own state-run exchange — it launched for plan year 2024 and 2026 is its third full year running independently of HealthCare.gov. One practical difference: Virginia's 2026 open enrollment ran through January 30, two weeks longer than the federal deadline most other states use. Virginia expanded Medicaid back in 2019, so adults up to 138% of the federal poverty level generally have a coverage path there already.

Virginia is also rolling out a state-funded subsidy program debuting in fall 2026, on top of a reinsurance program that's been helping hold down marketplace premiums since 2023. Even so, marketplace enrollment dipped for 2026 as the federal enhanced subsidies expired — which is exactly the kind of year where comparing private PPO pricing against the state exchange is worth doing rather than assuming.

General market information as of 2026, not a quote or guarantee for any specific plan. Marketplace rules, enrollment windows, and subsidy programs change year to year — always confirm current details for your situation.

Why Private PPO Often Fits Better Here

If you're healthy, self-employed, or running a business in Virginia, a medically-underwritten private PPO plan is frequently priced better than an equivalent plan on Virginia's Insurance Marketplace — because community rating there charges everyone in your area and age band the same rate regardless of health, while a private plan prices to your actual risk. We compare both, starting with private, before ever recommending the state exchange.

How It Works

• Tell us your situation — health, budget, and what matters most in a network.
• We compare private PPO plans and Virginia's Insurance Marketplace options side by side, across 50+ carriers.
• You pick a plan, we handle enrollment. Zero cost to you, zero pressure.