Virginia Open Enrollment 2027 for People Over the Subsidy Line
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Virginia is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.
Virginia this year
Average Marketplace rates in Virginia climb a final 15.8% to 16.9% for 2027. Plans are sold through Virginia's Insurance Marketplace, the state's own exchange, which runs its own enrollment calendar separate from HealthCare.gov. Above the 400% line, Virginia buyers are often cybersecurity and IT consultants in Arlington, Alexandria and Fairfax moving between federal contracts, two-professional households in Richmond, shipyard and maritime contractors in Hampton Roads, and winery and farm owners around Charlottesville. In Northern Virginia, a household of four above $132,000 is not unusual, and every exchange plan is full price for them.
One thing to do before you choose
Northern Virginia contractors often move between contracts with gaps in between. If that's your pattern, keep a written plan for those gaps. Losing job-based coverage opens a special enrollment period on Virginia's Insurance Marketplace. A private, medically underwritten plan is the other option and can begin at the start of a month if approved. Short-term plans in Virginia are limited to a few months and exclude pre-existing conditions, so they make a weak bridge. Private plans are priced on age, ZIP and health, not income.
Your checklist
- How far above the line your 2027 household income will land
- The full-price Virginia premium at each metal level
- Everyone's health, for a private quote
- Doctors you want to keep, checked in every network
Private plan or Marketplace?
Private plan
Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.
Marketplace
Ongoing care, or income you can bring back under the line: Virginia's Insurance Marketplace must accept you, and below the line the subsidy returns.
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.
Is Virginia's Insurance Marketplace the same thing as HealthCare.gov?
No. Virginia moved to its own exchange, so Virginians shop and enroll there, on its schedule. The plans work the same way, and at your income every one is full price. I can walk you through them and set a private plan beside them for comparison; that one is priced on your health, not your income.
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 individuals
- 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.