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Individual & Family Health Insurance Plans in Virginia
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.
Individual and Family Health Insurance Plans in Northern Virginia
CareFirst designed Northern Virginia plans with members’ healthcare needs and budget in mind.
All individual and family plans in Virginia include:
- 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
If you’re self-employed or don’t have coverage through an employer, purchasing an individual health plan is your best option.
CareFirst offers HMO and PPO plans with deductibles and monthly costs to meet your budget.
Health Maintenance Organization (HMO) plans offer:
- Some flexibility
- In-network doctor visits
- Out-of-network, only emergency medical services covered
Preferred Provider Organization (PPO) plans offer:
- The most flexibility
- Access to 47,000 PPO network local providers
- Access to thousands of PPO network national providers
2024 Medical Plans by Metal Level
| SILVER | Plan Type | Individual Deductible | Individual Out-of-Pocket Maximum | PCP/Specialist |
|---|---|---|---|---|
| BlueChoice HMO Standard Silver 5900 Med Ded 25 Dent Ded | HMO | $5,900 | $9,100 | $40 copay, no deductible/$80 copay, no deductible |
| BluePreferred PPO Standard Silver 5900 Med Ded 25 Dent Ded | PPO | $5,900 | $9,100 | $40 copay, no deductible/$80 copay, no deductible |
| BlueChoice HMO HSA Silver 3200 Med Ded 25 Dent Ded | HMO | $3,200 | $6,500 | $30 PCP, after deductible/$40 Specialist, after deductible |
| BluePreferred PPO HSA Silver 3200 Med Ded 25 Dent Ded | PPO | $3,200 | $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 | 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 | 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 | $8,700 | $30 copay, no deductible/$60 copay, no deductible |
| BluePreferred PPO Standard Gold 1500 Med Ded 25 Dent Ded | PPO | $1,500 | $8,700 | $30 copay, no deductible/$60 copay, no deductible |
| CATASTROPHIC | Plan Type | Individual Deductible | Individual Out-of-Pocket Maximum | PCP/Specialist |
|---|---|---|---|---|
| BlueChoice HMO Young Adult 9450 Med Ded | HMO | $9,450 | $9,450 | 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?