Virginia Open Enrollment 2027 for Marketplace Renewals

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

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.

Unless you act, Virginia's Insurance Marketplace renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Virginia this year

Virginians renew through Virginia's Insurance Marketplace, the state's own exchange, and it sets its own open enrollment calendar; check its site for the dates. The 2027 average increase is finalized at about 15.8 to 16.9 percent. Northern Virginia has some of the deepest provider networks in the country, while Southside and Southwest Virginia have far fewer choices. Federal and cybersecurity contractors who move between contracts, Hampton Roads shipyard workers, military spouses running small businesses and Shenandoah winery owners make up much of the self-employed market. A household of three over $109,280 pays the full premium for any exchange plan.

One thing to do before you choose

For Northern Virginia contractors between federal contracts, the renewal is a good moment to recheck your 2027 earnings estimate; a gap of a few months can bring a household back under the line. If it does, the subsidy returns. If you expect to stay well above it and are healthy, I can quote a private underwritten plan next to your exchange renewal. Approval depends on health answers, it is not offered through Virginia's Insurance Marketplace, and coverage can start the first of a month if approved.

Your checklist

• Your 2027 renewal notice, read line by line
• Whether your plan is the same one or a replacement
• Doctors and prescriptions in the 2027 plan
• Last year's actual care, priced at each metal level

Private plan or Marketplace?

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.

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.