🩺 Health insurance cost in Virginia (2026)
The estimated average is $504 per month — below the national average (-10% vs. the U.S. average of $560).
Virginia is home to about 8.7 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Virginia Beach typically differ from smaller towns.
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Virginia health insurance estimator
Starts from the Virginia average. Estimate only — get quotes to confirm.
Health insurance cost in Virginia cities
| City | Population | Est. health insurance |
|---|---|---|
| Virginia Beach | 455,618 | $512 |
| Chesapeake | 251,269 | $512 |
| Arlington | 234,000 | $504 |
| Norfolk | 232,995 | $504 |
| Richmond | 229,395 | $504 |
| Newport News | 183,790 | $504 |
Virginia health insurance FAQ
How much is health insurance in Virginia?
The estimated average health insurance in Virginia is $504 per month, which is below the national average (-10% vs. the U.S. average of $560). Virginia ranks 31 of 51 states from most to least expensive.
Why is health insurance cheaper in Virginia?
Health insurance pricing in Virginia reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on health insurance in Virginia?
Compare at least three quotes from insurers active in Virginia, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.