Virginia open enrollment 2027 Open enrollment · Virginia

Virginia Open Enrollment 2027 for Families

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For families buying their own coverage in Virginia, Virginia's Insurance Marketplace sets the 2027 open enrollment dates, running November 1, 2026 to January 29, 2027 with December 15 for a January 1 start. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

What 2027 looks like for you

Virginia's average 2027 rate change is 15.8% to 16.9% (finalized). The details are on the Virginia 2027 premium increase page.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Virginia parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Virginia this year

Virginia families renew through Virginia's Insurance Marketplace, the state's own exchange, and its window runs later than the federal one, to January 29, 2027. A January 1 start still means choosing by December 15. Final 2027 rates land about 16 to 17 percent higher on average, and Virginia's reinsurance program, approved through 2027, helps hold premiums down. Northern Virginia, Richmond, Hampton Roads, Roanoke and Charlottesville each have different lineups and hospital systems. Many federal contractors and consultants work for themselves and earn past the cutoff, which for a four-person household means anything over $132,000, so they pay the full increase.

One thing to do before you choose

Northern Virginia parents whose children see pediatric specialists in DC or Maryland should make sure those doctors appear in the plan's provider list for 2027, since some Virginia HMOs offer little coverage beyond the state line. If a parent loses job-based coverage between government contracts, that loss qualifies the family for a 60-day special enrollment window. Self-employed households over the cutoff can get private quotes from me to compare with the exchange lineup.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: Virginia's Insurance Marketplace accepts everyone, and the subsidy grows with household size.

Compare Virginia plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Virginia. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

Who sets Virginia's 2027 open enrollment deadline?

Virginia's Insurance Marketplace, Virginia's own exchange. For 2027 coverage it runs open enrollment from November 1, 2026 to January 29, 2027.

Virginia's deadline is later. Can we wait until January to pick the kids' plan?

You can enroll through January 29, 2027, on Virginia's Insurance Marketplace, but a plan chosen after December 15 will not start January 1. If you want no gap, decide by December 15. Use the extra weeks only if a later start works for your family.

Can I get a private plan in Virginia after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Virginia

Official source: Virginia's Insurance Marketplace: special enrollment. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Virginia and 30 other states, NPN 21032307. Last updated November 3, 2026.