The American Rescue Plan Act of 2021

Individuals who buy their own health insurance directly through the Health Insurance Marketplace may be eligible to receive increased tax credits to reduce their premiums.

New and Prospective Members: Starting April 1, 2021, consumers enrolling in Marketplace coverage through will be able to take advantage of these increased savings and lower costs.

Current Members: If you’re already receiving a subsidy or think you may now qualify for one under the new regulations, update your information on now to receive the additional savings that may lower your premiums.

Due to this ARP, the 2021 Special Enrollment Period issued by Executive Order has also been extended to August 15, 2021 for individuals who do not have insurance or for those who want to change coverage through the Federal Marketplace. 

Looking for coverage? Talk to one of our OptimaFit Personal Plan Advisors at 1-844-206-3208

OptimaFit® Individual & Family Health Plans

With more than three decades of experience serving residents of the Commonwealth of Virginia, Optima Health knows what’s important to individuals and families of our communities. It’s our job to make it easier for people to make good health plan decisions, even as healthcare becomes more complex. We improve health every day.  Check if your provider is in our network.

Need Help? Talk to an OptimaFit Personal Plan Advisor at 1-844-206-3208

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Our Plans

Our plans feature our Direct and Select provider networks depending on where you live.


  • OptimaFit Direct and Select plans available ON and OFF the Health Insurance Marketplace
  • A variety of plans with a wide range of deductibles and copayments
  • Health Savings Account (HSA) option
  • Gold, Silver, and Bronze plans offered on the Health Insurance Marketplace

See Our Plans

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Added Benefits

With an OptimaFit plan, you have access to many great value-added benefits.


  • Access to on-demand care from anywhere with board-certified physicians over the phone, online or video chat
  • Emergency Travel Assistance
  • Discounts on health and wellness services
Learn More
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Our Service Area

We've expanded our network.  OptimaFit Direct and Select plans are in select areas of Virginia.

Expanded Coverage Areas

  • Charlottesville
  • Harrisonburg
  • Hampton Roads
  • Halifax and Mecklenburg
  • Greater Richmond*
  • Rockingham

* New for 2021

View Availability

We Make Healthcare More Rewarding

We’re committed to going above and beyond for our members by building strong relationships and supporting them on their journey to better health. Backed by a dedicated member services team and an outstanding network of providers, our members know we’ve got them covered.

OptimaFit Individual & Family Health Plans consistently receive high quality rating from The Centers for Medicare & Medicaid Services (CMS).1

OptimaFit Health Plans are designed with families and individuals in mind. With lower cost-share options and a wide range of network designs, our Individual and Family Plans offer more choices, innovative solutions, and enhanced access to high-quality care. We’ve made it easier than ever for you to find the health plan that works for you.

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A 4-Star Plan Quality Rating

OptimaFit Individual & Family Health Plans offered through the Health Insurance Marketplace have achieved a 4-Star quality rating from CMS. The star ratings reflect our members’ responses to questions about plan quality and satisfaction. 

Learn About Star Ratings
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Health and Wellness Programs

Free programs and online tools to help you get healthy and stay healthy.

Learn About MyLife MyPlan
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Other Health Insurance Coverage Options

Do you qualify for Medicaid?  Even if you are not eligible for one of our OptimaFit Health Plans, you might be eligible for one of our other coverage options including Medicaid, or health insurance plans for self-employed sole-proprietors.

See More Options

1 CMS scores qualified health plans (QHPs) offered through the Exchanges using the Quality Rating System (QRS) based on third-party validated clinical measure data and QHP Enrollee Survey responses. CMS calculates ratings yearly on a 5-star scale. Ratings may change from year to year. Due to the COVID-19 virus, CMS did not collect data from health plans during the 2020 calendar year. Therefore, the ratings reflect data previously provided by health plans in 2019.