Health Insurance in Roanoke, VA

Health Insurance Carriers in Roanoke, VA

Residents of Roanoke 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 Roanoke ZIP codes is Anthem HealthKeepers.

Roanoke is dominated by Carilion Clinic, the integrated health system and physician group that operates the region's hospitals and most specialty practices. Check each plan’s provider directory for Carilion before you enrol.

How Residents in Roanoke Buy Coverage

Virginia does not use HealthCare.gov. Roanoke 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 Roanoke

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

• Carilion Medical Center

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 Roanoke

Urgent care facilities in the Roanoke area include:

• Patient First Roanoke Valley
• FastMed Urgent Care
• CareSpot Urgent Care

ACA Subsidies and Medicaid in Roanoke

Residents of Roanoke 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.

Roanoke Health Insurance Market Profile

• Population: 100K
• County: City of Roanoke
• Median Household Income: $46,000 (~294% of the 2026 FPL)
• Marketplace: healthcare.gov