Virginia Open Enrollment 2027 for Individuals
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.
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.
For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.
Virginia this year
Virginia runs its own exchange, Virginia's Insurance Marketplace, and its window stays open until January 29, 2027, later than the federal one. The state's approved 2027 increase runs about 16 to 17 percent. Northern Virginia, Richmond, Hampton Roads and southwest Virginia each have different lineups, and the Southside and Southwest have far fewer choices than the deep networks near DC. A state reinsurance program helps hold premiums down, and new state help lowers premiums for some households at modest incomes. Self-employed consultants above $63,840 for one person pay the full increase.
One thing to do before you choose
Government contractors in Northern Virginia whose doctors practice in DC or Maryland should ask whether a 2027 plan's directory still lists them, since some Virginia HMOs pay for little beyond state lines. The late January 29 close gives you extra weeks to compare, so use them to check networks rather than rushing. If a contract job ends midyear, the loss of its plan lets you sign up outside the window.
Your checklist
- Each plan's network type in your Virginia ZIP code
- The out-of-pocket maximum next to the premium
- Your 2027 income against the one- or two-person line
- Bronze with an HSA if you rarely need care
Private plan or Marketplace?
Private plan
Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.
Marketplace
A health condition or income under the line: Virginia's Insurance Marketplace must accept you, and the subsidy can lower the price.
Compare Virginia plans this open enrollment
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
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.
We're a couple in Richmond with modest income. Is there new Virginia help beyond the federal subsidy?
Starting with 2027 plans, Virginia offers new state help for households earning 138 to 250 percent of the federal poverty level, applied after any federal subsidy. It is paid from a fixed state appropriation, so funding may not reach everyone who qualifies. Apply through Virginia's Insurance Marketplace, the only place to get it.
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
- Virginia open enrollment 2027: dates and options
- Virginia open enrollment for self-employed
- Virginia open enrollment for families
- Virginia open enrollment for early retirees
- Virginia open enrollment for small business owners
- Virginia open enrollment for people between jobs
- Virginia open enrollment for people over the subsidy line
- Virginia open enrollment for marketplace renewals
- Private health insurance in Virginia
- Virginia health insurance quotes
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.