Sentara Individual & Family Health Plans
Individual & Family Health Plans are available both on-and-off Virginia’s Insurance Marketplace, providing multiple ways to shop for coverage. Plans are also available in different metal tiers, allowing members to choose the level of coverage and monthly premium that best fits their needs.Plan Tiers
When shopping for health insurance coverage, plans with the lowest monthly premium may not necessarily be your best option. You must also compare plan costs with their value and benefits.
Individual & Family Health Plans are classified by metallic tiers: Platinum, Gold, Silver, and Bronze. While all Sentara plans include a range of health benefits, preventive care, access to our provider network, virtual care options, and wellness resources, the amount you pay each month and when you receive care varies by plans.
Our Plans
We offer several plan options with a wide range of coverage, cost-sharing options, and Health Savings Accounts (HSAs). Plans are categorized by metal level and may be purchased on-or-off Virginia’s Insurance Marketplace (also known as the Marketplace or the Exchange).
See which tier might be best for your needs:
Bronze - Lower monthly premium
Consider this plan if you’re generally healthy, don’t expect to use healthcare services frequently, and want a lower monthly premium. While you’ll pay less each month, you’ll typically pay more when you receive health care services.
Silver - Moderate monthly premium
Our Silver plans, exclusively available off-exchange, can help members lower costs. These plans might be well suited for those who don’t qualify for a subsidy. These are also available to those who are a member of a CHOICE Arrangement plan (formerly known as ICHRA). We also offer two Gold plans and one Platinum plan, exclusively off-exchange.
Gold - High monthly premium
Consider this plan if you expect to use health care services more often, manage a chronic condition, take regular prescriptions, or prefer the peace of mind that comes with paying less when you receive care. Gold plans generally offer lower out-of-pocket costs in exchange for a higher monthly premium.
Platinum - Higher monthly premium
Consider this plan if you expect to use healthcare services frequently, manage many chronic conditions, take regular prescriptions, or prefer the peace of mind that comes with paying even less when you receive care. Platinum plans generally offer lower out-of-pocket costs in exchange for a higher monthly premium. Sentara Health Plans Platinum plan is exclusively available off-exchange.