Individual & Family Health Insurance Plans in Virginia
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.
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.
When personal issues arise, CareFirst's Member Assistance Program (MAP), provides mental, physical, social or financial support. Powered by TELUS Health, you and your eligible household members can use the program at no cost. Effective 1/1/26, you can call an MAP advisor toll-free 24/7 at 855-445-1716.*
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.
2026 Medical Plans by Metal Level
| BRONZE | Plan Type | Individual Deductible | Individual Out-of-Pocket Maximum | PCP/Specialist |
|---|---|---|---|---|
| BlueChoice HMO Standard Bronze 7500 Med Ded 25 Dent Ded | HMO | $7,500 | $10,000 | PCP $50 copay, no deductible/Specialist $100 copay, no deductible |
| BlueChoice HMO Referral Bronze 8,250 Med Ded 25 Dent Ded Virtual Connect Plus | HMO | $8,250 | $10,150 | PCP $55 copay, no deductible/Specialist $65 copay, after deductible |
| SILVER | Plan Type | Individual Deductible | Individual Out-of-Pocket Maximum | PCP/Specialist |
|---|---|---|---|---|
| BlueChoice HMO Standard Silver 6000 Med Ded 25 Dent Ded | HMO | $6,000 | $8,900 | $40 copay, no deductible/$80 copay, no deductible |
| BluePreferred PPO Standard Silver 6000 Med Ded 25 Dent Ded | PPO | $6,000 | $8,900 | $40 copay, no deductible/$80 copay, no deductible |
| BlueChoice HMO HSA Silver 3400 Med Ded 25 Dent Ded Virtual Connect Plus | HMO | $3,400 | $6,850 | $30 PCP, after deductible/$40 Specialist, after deductible |
| BluePreferred PPO HSA Silver 3400 Med Ded 25 Dent Ded Virtual Connect Plus | PPO | $3,400 | $6,850 | $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 Plus | HMO | $1,750 | $7,800 | No charge PCP, no deductible/$30 Specialist, no deductible |
| BluePreferred PPO Gold 1750 Med Ded 150 Drug Ded 25 Dent Ded Virtual Connect Plus | PPO | $1,750 | $7,800 | No charge PCP, no deductible/$30 Specialist, no deductible |
| BlueChoice HMO Standard Gold 2000 Med Ded 25 Dent Ded | HMO | $2,000 | $8,200 | $30 copay, no deductible/$60 copay, no deductible |
| BluePreferred PPO Standard Gold 2000 Med Ded 25 Dent Ded | PPO | $2,000 | $8,200 | $30 copay, no deductible/$60 copay, no deductible |
| CATASTROPHIC | Plan Type | Individual Deductible | Individual Out-of-Pocket Maximum | PCP/Specialist |
|---|---|---|---|---|
| BlueChoice HMO Young Adult 10600 Med Ded Virtual Connect Plus | HMO | $10,600 | $10,600 | 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
Interested in dental insurance?
*TELUS Health is an independent company that provides Employee Assistance Program (EAP) and Member Assistance Program (MAP) services to CareFirst customers and members.