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Medicare Advantage by state
Virginia’s Advantage market is really three markets: Northern Virginia, where plans compete block by block; Richmond and Hampton Roads, where Sentara anchors the field; and the rural west and south, where options are few. The state’s geography makes the county question unusually important.
Figures reviewed for 2026
What matters
Anthem, UnitedHealthcare, Humana, Sentara Health Plans and Kaiser Permanente in the north are the main presence, with Optima Health in the Tidewater region. Fairfax, Prince William, Henrico and Virginia Beach have the widest choice; Highland, Bath and Bland counties have almost none.
A $0 premium is easy to find in Northern Virginia and Hampton Roads, usually with drug coverage included. In the rural counties, the low premium is often paired with a narrow network built around a single regional hospital.
Virginia permits underwriting on Medigap after the six-month window and uses attained-age pricing, so the supplement is cheapest at 65. Advantage plan benefits and networks can change each January, and the January to March window allows one change for anyone who wants to reverse course.
VICAP, the Virginia Insurance Counseling and Assistance Program, is the state’s SHIP and counsels residents for free, while the State Corporation Commission’s Bureau of Insurance regulates the plans.
We check every plan sold in your county against your doctors and your prescriptions, then tell you what the plan would actually cost over a year. No cost to you, and no obligation.
An Advantage plan is a network product. If you would rather keep any doctor in the country and know your costs in advance, the supplement guide for this state covers the rules, the pricing and who must sell to you.
Virginia Medicare Supplement plansPlan lists and networks stop at the state line. These are the guides closest to Virginia.
See every state's Medicare Advantage guideNext steps
No cost, no obligation
Plans and networks differ by county, sometimes by ZIP code. Tell us where you live and we will show you what is actually sold there.
