Health Insurance in Roanoke, VA

Health Insurance Carriers in Roanoke, VA

Residents of Roanoke can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): Anthem HealthKeepers, Optima Health (Sentara), CareFirst BlueCross BlueShield, Aetna, Cigna, Oscar Health, Kaiser Permanente (NoVA/DC). 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. Carilion is in-network with most Virginia marketplace plans.

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

Major hospital systems and facilities serving Roanoke include:

• Carilion Roanoke Memorial Hospital
• Carilion New River Valley Medical Center (Radford)
• LewisGale Medical Center (Salem, HCA)

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

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