Health insurance for 1099 workers in Virginia for 2027: Virginia’s Insurance Marketplace runs the marketplace with 7 insurers, KFF's benchmark Silver at 40 is.
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The short answer: Virginia runs its own marketplace, Virginia’s Insurance Marketplace, so a 1099 worker here buys through it rather than HealthCare.gov. For 2027 the benchmark Silver plan for a 40-year-old is $549 a month at full price (KFF), 7 insurers sell plans (Cigna left after 2026), and the approved average increase is 16.9%. The credit works the same as everywhere: none above $63,840 of net income for one person, a cap of 2.15% to 10.22% of income below it, figured on what you expect to net.
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Virginia’s Insurance Marketplace publishes no county file for the public, so the table below is statewide. Enter your ZIP and your expected income and a licensed agent prices the plans sold in your county against your number, with the credit and without it, free.
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| Benchmark Silver, age 40, full price | $549 a month in 2027 ($455 in 2026, +20.7%) |
|---|---|
| U.S. average benchmark | $704 a month |
| Approved average 2027 rate change | +16.9% |
| Insurers selling 2027 plans | 7: Anthem HealthKeepers, CareFirst BlueChoice, Group Hospitalization and Medical Services (CareFirst), Kaiser Permanente, Oscar, Sentara Health Plans, UnitedHealthcare (Optimum Choice) |
| Left after 2026 / new for 2027 | Cigna / none joined |
| Where to enroll | Virginia’s Insurance Marketplace, the state’s own exchange since 2024 coverage |
| Open Enrollment for 2027 | November 1, 2026 to January 29, 2027 |
| 2027 credit line, 1 / 2 / 4 people | $63,840 / $86,560 / $132,000 |
Sources: KFF Marketplace Average Benchmark Premiums, 2027 and 2026; Virginia’s Insurance Marketplace 2027 carrier list; State Corporation Commission. Virginia runs its own exchange, so the county-by-county CMS file behind the HealthCare.gov state pages does not exist here; prices by county come from the exchange or from a licensed agent.
$45,000 is $18,840 under the 2027 credit line for one person ($63,840). At that income the benchmark Silver plan is capped at 9.7% of income, about $362 a month, and the credit pays the rest of the benchmark price.
$70,000 is $6,160 above the 2027 credit line for one person ($63,840), so there is no premium tax credit at that income and the full filed price applies.
The deduction is the same in every state: premiums for the medical coverage come off above the line on Form 7206, up to net profit, in months no employer plan was available. How the credit is figured; the deduction.
A healthy 1099 worker above $63,840 pays the full filed price on the exchange and usually compares a private plan, priced on age and health answers with access to a national PPO network. Private plans are medically underwritten: your health history decides whether you qualify and the final price, and some applicants pay more or are declined. They are not ACA marketplace plans, they do not cover pre-existing conditions the way a marketplace plan does, and no premium tax credit applies. If you are not in good health, the marketplace is usually the better route.
Through Virginia’s Insurance Marketplace, the state’s own exchange since 2024 coverage, or privately through a licensed agent. The premium tax credit is only available on the exchange.
KFF’s benchmark Silver plan for a 40-year-old is $549 a month at full price for 2027 (U.S. average $704). Under the credit line the benchmark is capped at 2.15% to 10.22% of income.
Anthem HealthKeepers, CareFirst BlueChoice, Group Hospitalization and Medical Services (CareFirst), Kaiser Permanente, Oscar, Sentara Health Plans, UnitedHealthcare (Optimum Choice) (Virginia’s Insurance Marketplace 2027 carrier list; State Corporation Commission). Cigna left after 2026.
Run my own numbersBack to the ZIP box near the top of this page.