Health Insurance in Fredericksburg, VA

Health Insurance in Fredericksburg, VA

Residents of Fredericksburg can compare marketplace health plans from Anthem HealthKeepers, Optima Health (Sentara), CareFirst BlueCross BlueShield, Aetna, Cigna, Oscar Health. The leading carrier in Fredericksburg is Anthem HealthKeepers. Fredericksburg is midway between Richmond and Washington DC, served primarily by Mary Washington Healthcare and an HCA facility. Many residents commute to DC and may have employer plans from DC-area employers.

How Residents in Fredericksburg Buy Coverage

Virginia does not use HealthCare.gov. Fredericksburg residents enroll through Virginia Insurance Marketplace, the state-based exchange, which publishes its own carrier list and county-level rates each autumn. Deadlines and special enrollment rules can differ from the federal marketplace — confirm current dates on Virginia Insurance Marketplace before enrolling.

Local Hospitals in Fredericksburg, VA

• Mary Washington Hospital
• Spotsylvania Regional Medical Center (HCA)

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

Urgent Care Centers in Fredericksburg

• Patient First Fredericksburg
• Mary Washington Healthcare Urgent Care
• CareSpot Urgent Care

ACA Subsidies for Fredericksburg Residents

At 396% of the Federal Poverty Level, residents earning around the Fredericksburg median income of $62,000 qualify for ACA premium tax credits on the marketplace. Under current subsidy rules, the most a single adult at this income pays for a benchmark Silver plan is $439 per month, and most enrollees pay less after plan-level cost-sharing reductions.

Fredericksburg residents enroll through healthcare.gov, the federal marketplace. Open Enrollment runs November 1 through January 15 each year. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Fredericksburg Health Insurance Market Profile

• Population: 29K
• County: City of Fredericksburg
• Median Household Income: $62,000 (~396% of the 2026 FPL)
• Marketplace: healthcare.gov