Individual & Family Health Insurance Plans in Virginia

Virgina

CareFirst BlueCross BlueShield offers healthcare coverage that protects you and your family. Choosing a health plan for you—or your family—is an important decision. Whether you know what coverage you need or want to explore your options, CareFirst offers a range of plans for Northern Virginia residents. Our service area includes: the cities of Alexandria and Fairfax, the town of Vienna, Arlington County and the areas of Fairfax and Prince William Counties in Virginia east of Route 123.

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Need help choosing what’s right for you?


We’re here to help. Check out Questions to Consider When Shopping for a Plan, or call member support at 800-544-8703, TTY 711.


Individual and Family Health Insurance Plans in Northern Virginia

If you’re self-employed or don’t have coverage through an employer, purchasing an individual health plan is your best option. These plans cover one member. CareFirst offers HMO and PPO plans with deductibles and monthly costs to meet your budget. Plans offer core health benefits and preventive services, including

  • Prescription drug coverage
  • Vision examination for members over age 19
  • Dental and vision coverage for members under age 19
  • Preventive care
  • Vaccinations
  • Hospital and emergency services

As a Virginia resident, you can apply for your health insurance plan directly through CareFirst. If you are eligible for federal financial assistance, or want to see if you qualify, you should visit Virginia Health Benefit Exchange.

2025 Medical Plans by Metal Level

SILVER Plan Type Individual Deductible Individual Out-of-Pocket Maximum PCP/Specialist
BlueChoice HMO Standard Silver 5000 Med Ded 25 Dent Ded HMO $5,000 $8,000 $40 copay, no deductible/$80 copay, no deductible
BluePreferred PPO Standard Silver 5000 Med Ded 25 Dent Ded PPO $5,000 $8,000 $40 copay, no deductible/$80 copay, no deductible
BlueChoice HMO HSA Silver 3300 Med Ded 25 Dent Ded HMO $3,300 $6,600 $30 PCP, after deductible/$40 Specialist, after deductible
BluePreferred PPO HSA Silver 3300 Med Ded 25 Dent Ded PPO $3,300 $6,500 $30 PCP, after deductible/$40 Specialist, after deductible
GOLD Plan Type Individual Deductible Individual Out-of-Pocket Maximum PCP/Specialist
BlueChoice HMO Gold 1750 Med Ded 150 Drug Ded 25 Dent Ded Virtual Connect HMO $1,750 $6,650 No charge PCP, no deductible/$30 Specialist, no deductible
BluePreferred PPO Gold 1750 Med Ded 150 Drug Ded 25 Dent Ded Virtual Connect PPO $1,750 $6,650 No charge PCP, no deductible/$30 Specialist, no deductible
BlueChoice HMO Standard Gold 1500 Med Ded 25 Dent Ded HMO $1,500 $7,800 $30 copay, no deductible/$60 copay, no deductible
BluePreferred PPO Standard Gold 1500 Med Ded 25 Dent Ded PPO $1,500 $7,800 $30 copay, no deductible/$60 copay, no deductible
CATASTROPHIC Plan Type Individual Deductible Individual Out-of-Pocket Maximum PCP/Specialist
BlueChoice HMO Young Adult 9200 Med Ded HMO $9,200 $9,200 PCP visits 1-3 no charge, no deductible, visits 4+ no charge after deductible, Specialist, no charge after deductible

Interested in an individual or family health insurance plan in Northern Virginia?

As a Northern Virginia resident, you can apply for your health insurance plan directly through CareFirst.


Dental Insurance Plans of Virginia

We offer several affordable dental care plans to help protect your smile, health and budget. Our dental plans cover a comprehensive range of dental services at no charge including:

  • Oral exams
  • Cleanings
  • X-rays
  • Pediatric dental coverage through age 19
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Interested in dental insurance?