Health Insurance in Hampton, VA

Health Insurance Carriers in Hampton, VA

Residents of Hampton can compare marketplace health plans from Anthem HealthKeepers, CareFirst, Cigna, Kaiser Permanente, Oscar, Sentara Health Plans and UnitedHealthcare (Optimum Choice) (availability varies by county). The dominant carrier in most Hampton ZIP codes is Optima Health (Sentara).

Hampton is in the Hampton Roads region dominated by Sentara Healthcare. Sentara owns Optima Health insurance, creating an integrated payer-provider model. Optima members have seamless access to all Sentara facilities.

How Residents in Hampton Buy Coverage

Virginia does not use HealthCare.gov. Hampton 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.

Hospitals and Health Systems in Hampton

Medicare’s hospital directory lists these acute-care hospitals in Hampton:

• Sentara CarePlex Hospital

Which plans include each hospital varies by plan and year, not just by insurer. Before you enroll, confirm that your doctors and preferred hospital are in-network for the specific plan ID you choose. We do this check for every client at no charge.

Urgent Care Centers in Hampton

Urgent care facilities in the Hampton area include:

• Patient First Hampton
• Sentara Urgent Care
• GoHealth Urgent Care

ACA Subsidies and Medicaid in Hampton

Residents of Hampton may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

Hampton Health Insurance Market Profile

• Population: 137K
• County: City of Hampton
• Median Household Income: $57,000 (~364% of the 2026 FPL)
• Marketplace: healthcare.gov