Benchmark $455/mo · +21.6% approved · Virginia’s Insurance Marketplace
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A 40-year-old speech therapist in Virginia faces a benchmark premium of $455/month for 2026, up from $372 in 2025. That is 27% below the national benchmark of $625. Carriers were approved for an average increase of +21.6%.
Virginia runs its own exchange, Virginia’s Insurance Marketplace, rather than healthcare.gov. CMS therefore excludes it from the Qualified Health Plan Landscape file that powers most of this site, so there is no public plan-by-county premium table for Virginia the way there is for Florida or Texas. What you get instead — approved rate changes, carrier concentration and the benchmark series — comes straight from state filings, and in some ways says more, because these are rates a regulator actually approved rather than rates an insurer filed.
Virginia has the widest carrier-to-carrier spread of the six. Approved increases ranged from +1.1% at Group Hospitalization & Medical Service to +40.2% at Optimum Choice, so what happened to a Virginian in 2026 depended almost entirely on which card was in their wallet.
| Virginia — 2026 | Figure |
|---|---|
| Benchmark premium, age 40 (2026) | $455 |
| Benchmark premium, age 40 (2025) | $372 |
| Year-over-year change | +22.3% |
| Approved average rate increase | +21.6% |
| Versus the national benchmark ($625) | -27% |
| Rank among your 21 licensed states | 2 of 21 |
| Counties | 133 |
| Carriers on the exchange | 8 |
| Exchange | Virginia’s Insurance Marketplace (state-run since 2024) |
| Carrier | Network | Members | 2026 approved |
|---|---|---|---|
| HealthKeepers (Anthem) | — | 140,000 | +20.4% |
| Sentara Health Plans | — | 109,393 | +20.6% |
| Cigna Health & Life | — | 45,639 | +22.3% |
| Kaiser Mid-Atlantic | — | 36,390 | +11.6% |
| Optimum Choice | — | 25,509 | +40.2% |
| CareFirst BlueChoice | — | 8,049 | +19.8% |
| Anthem Health Plans of VA | — | 3,500 | +23.1% |
| Group Hospitalization & Medical Service | — | 1,296 | +1.1% |
Two carriers exited for 2026 — Aetna Health (13,721 members) and Innovation Health Plan (27,720 members) — displacing roughly 41,000 people who had to pick a new plan.
Sources: Virginia Bureau of Insurance 2026 approved rate filings. KFF, “Marketplace Average Benchmark Premiums,” 2026. Benchmark is the second-lowest-cost Silver plan for a 40-year-old, weighted by plan selections.
Steady, predictable utilization means copay design and network breadth drive annual cost more than the sticker premium.
Occupational context: Vocal strain; infectious exposure in clinical settings.
This is background for choosing a plan, not for pricing one. Every Virginia exchange plan is guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same premium whether you are a speech therapist or an accountant.
Ranked on the benchmark premium, the one measure published on the same basis for every state. Cheaper: Maryland ($414). More expensive: Indiana ($474), Nevada ($497), Ohio ($513).
You buy where you live, not where you work, so treat this as context rather than a shopping list. A genuine move does open a special enrollment period.
Expense categories that typically apply to this trade: Licensing, materials, malpractice insurance, CE. Health premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or a spouse. The deduction lowers your AGI, and AGI sets your premium tax credit, so the two calculate against each other — worth raising with your CPA before you enroll rather than after.
Virginia’s 2026 benchmark premium is $455 a month for a 40-year-old. The national benchmark is $625, so Virginia sits below average.
The 2026 benchmark premium in Virginia is $455 per month for a 40-year-old, up from $372 in 2025. That is full price before premium tax credits; most buyers pay less after subsidies.
Carriers in Virginia were approved for an average increase of 21.6%. Filings across the country cited the expiry of the enhanced federal premium tax credits at the end of 2025, rising medical and drug costs, and expectations that healthier people would drop coverage.
No. Exchange plans are guaranteed issue and community rated. Price varies only by age, ZIP code, tobacco use and household size. Occupation is not a rating factor.
No. Virginia runs its own exchange, Virginia’s Insurance Marketplace, state-operated since 2024. You enrolll there rather than on healthcare.gov.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation is above the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Speech-Language Pathologists (SOC 29-1127) in Virginia. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed speech therapist. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Virginia specifically — county-level carriers and enrollment help — I publish that on Coverage by County, including a page written for Speech Therapists in Virginia and a blog covering deductibles, subsidies and special enrollment.
Virginia runs its own marketplace rather than healthcare.gov, so 2027 plan and rate detail arrives on the state’s timetable, not in the federal files most comparison sites reprint. For a speech therapist that makes national round-ups the least reliable place to look.
Nobody can tell you your 2027 Virginia premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Virginia and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
Virginia publishes its 2027 plan data on its own schedule rather than in the federal files, so the earlier you get a read on your options the less you are relying on national summaries that may not apply here.
Give me a ZIP and I will tell you three things:
Rates for Speech Therapists in Virginia are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.