How Much Does Health Insurance Cost in Richmond, VA?
Richmond pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Richmond's diversified economy.See our methodology
Health Insurance Pricing in Richmond, VA
Richmond offers near-average pricing for health insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 230K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in health insurance costs here. Four seasons mean year-round maintenance needs; coastal areas face flood and moisture risks.
Market-specific factors matter in Richmond: moderate to high cost of living depending on proximity to major cities.
Richmond has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Richmond vs National Average
What Affects Health Insurance Cost in Richmond?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Richmond Market Conditions
moderate to high cost of living depending on proximity to major cities
Local Climate Impact
four seasons mean year-round maintenance needs; coastal areas face flood and moisture risks
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Top-Rated Health Insurance Pros in Richmond, VA
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Tips to Save on Health Insurance in Richmond
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Richmond Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $374 | — |
| 2021 | $390 | +4.3% |
| 2022 | $415 | +6.4% |
| 2023 | $427 | +2.9% |
| 2024 | $441 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Richmond
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Richmond than other cities?
Richmond's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Health Insurance Cost in Nearby Cities
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